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My upstairs toilet overflowed, running thru my ceiling and onto my kitchen, hardwoods, etc.
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| Let's assume you already have car insurance and you are looking for a company with a lower insurance rate? Will a new car insurance company accept you if you have one prior speeding ticket? How ... |
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 I had a horrible experience with the moving company I signed up with should I file a claim with the BBB? |
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| i'm currently under my parents plan until i get married (in march). we're trying right away to have a baby. however, every insurance company i've talked to won't offer me any ... |
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 My Policy no.420071640,issued by Baranagar Branch Kolkata,Original policy losted by branch itself? |
Duplicate Policy not found still today . When I shall get it..?
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 Recently my mother passed away. My father had a small group life insurance policy through his job.? |
He filed a claim and was denied because my mother was on disability. I'm curious , if anyone knows, if they can deny the claim even though her death was not caused by her disability.
A... |
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Hi,
Help, I can't find my camera!! I don't know where I left it or if it was taken from my car. Some friends said I should call my insurance company and see if they will ... |
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 Should she or should she NOT call her Homeowners INSURANCE CLAIMS DEPT? |
Hi, I would like you opinion about a Friend of mine and if you think she should bother calling her Homeowners Insurance company. I will try to keep this short and relevant:
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Additional Details
boy why do people have to be so rude, aren't we supposed to ask questions on here.... |
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 National insurance Number? |
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| Before i move i was just wondering if it was necessary for me to switch health care providers if i move to another state. but the thing is, i'm the only one moving to another state, while the ... |
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 What happen if i have life insurance and after 5 years of paying it i got lost in the Amazons? |
| i want to know if i got lost in some place and they never find me, how the insurance company will do, if they will give the beneficiary the money or the company will keep ... |
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| I can't get insurance, what do I do? |
| I am 20 yrs old, I need commercial auto insurance for two trucks. Isuzu NPR-HD's one new, one used. (2007 New, 2001 w/177K) both at 14,500 gvw. the trucks are small and the business idea is ... |
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 Dental insurance vs dental discount card? |
| hi all! so, i need two root canals and two crowns, and as a poor full-time pre-med student i have no dental insurance. i looked into the option one dental discount card, which is 55 bucks per year ... |
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vsweety | Is $67.00 too much for a term life insurance policy worrh $500k? |
I finally got life insurance and it is pretty much the same price for the next 34 years. However, I have not searched around and compared prices. Is $67 per month too much for a $500,000.00 policy at age 23? |
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Financial JUSTICE
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That's sounds about right for a 35 year level term insurance. Now that you are protecting your family, you should consider opening a retirement account such as a Roth IRA and invest on a monthly basis. If you invested in mutual funds of $200/month and you get an average rate of return of 12% during the next 35 years, you can potentially have $1.3 million. |
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Hadley
|
There is one easy way to find out if $67 per month for a term life insurance policy is too much.
That way is to get free, no obligation quotes online and find out for yourself within minutes if you may find some rates that are more affordable for you.
You can fill out one form and get up to 12 quotes instantly for term life insurance at https://www.efinancial.com/smartquoteefc.aspx?source=389-707
There is no obligation. That way you'll know today whether there is a much better rate available for you.
However, make sure you don't cancel your current policy until you are approved for another policy, if you are considering this as a possible option.
Even if you can save $15 per month over 34 years that would be about $6,120 plus the time value of that money over the years.
It's a good idea that you are considering your options.
I hope that helps! Best of luck to you. |
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Darby
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Well, there you go, you'll have the same premium of $67 for the next 34 years (regardless of any health problems or other life events). I am about 3 times as old and pay $123 for $200,000 that I got about 3 years ago and I think something happens when I turn 70. I'm in good health now, but did have a little problem that I told the insurance company about. |
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Phoenix Rising
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First of all, I would like to congratulate you for being worlds ahead and getting a policy at age 23 and looking at a really good amount!!! The good thing is I'm a firm believer of Life insurance. I always say get the most you can when your young and also....You're less likely to be rated for health conditions when your young since your health is always better. If you happen to be a tobacco user this can have a bearing on the cost of the insurance being higher but you shouldn't see such a drastic difference since age at this point is in your favor. It also sounds like you have a guaranteed policy so if this is correct your premium should remain level. I would also check to make sure that you have the option to convert this policy to a permanent insurance policy like a whole life or a universal life policy. The thing you may want to consider is, what will you want to do once you 34 year guarantee expires. Will you want to buy another term policy. I will definitely be more costly for you. So if you are going to considering a permanent policy. You may want to do this while you are younger, It's more cost effective for you. Term Insurance is the most cost effective insurance at the beginning but as one get older the lost opportunity cost is much greater for you. |
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Rick B
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That sounds about right for 30 year level term. It might ba a bit on the high side.
Me and my wife are almost 40 and have about 700,000 between us. We pay about 84 a month. |
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aaron p
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Well, if you are looking for comparison quotes, it will be very difficult because most life insurance companies only issue up to a 30 year term. Comparing a 34 or 35 year term to a 30 year term will not be apples to apples.
You could look around a little now, but in 4 or 5 years will be the time you could do more serious comparisons. You should continue to review your coverage every so often anyway to make sure nothing has changed. This is a good time to make sure you still have the best deal to meet your needs. |
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