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Thanks!
Additional Details
I'm in the US. My employer pays for my premiums, but when my baby comes this September, I have to pay for hers.
Thanks!... |
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dachickredz08 | Is it important to have a life insurance policy? |
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mrs sexy pants
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It is if you have family to leave behind when you die. If you want to feel secure & want them to feel secure if anything were to happen to you, I would definitely get a good policy! If you feel you can't afford it, then get just enough to take care of a funeral, burying, etc, and also any debt you may leave behind to your estate.
On the other hand, if you CAN afford it, get AS MUCH AS YOU POSSIBLY CAN! And make sure you have a will written up by an attorney or at least signed and notarized. |
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mbrcatz
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Not always.
If you have no dependents, and don't care what happens to your body after you die, you don't need one. If you have dependents, and don't care what happens to them after you die, you don't need it.
Life insurance is there to accomplish a financial goal. Set the goal first, then find the best product to fit the goal.
Example: I don't expect to need any life insurance after the kids are through college. So, I'm only buying term now. And I'll let it lapse later. Meanwhile, I'm saving & investing like mad, so if I kick off at 50, DH can pay for a funeral for me (or heck, just plant me under the roses in the back yard for all I care, I'll be dead!), and isn't stuck with debt.
The only time we'd NEED the life insurance is if one of us kicks off before the kids are grown. |
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bharani s
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hi check this link its good
http://snipurl.com/1mult
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Hadley
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Yes, it is important to have life insurance if there is someone who depends on you for financial support.
Or, if you want your loved ones to have funds to pay off any outstanding debt you have when you die.
Life insurance may also be used to pay for your estate taxes, final expenses and burial.
Life insurance is also used to provide a means of income for your surviving spouse, college tuition for your kids and money for your loved ones to continue paying off the mortgage and provide for their current lifestyle.
I hope that helps! Take care and best of luck.
P.S. - Term life insurance is often the most affordable type of life insurance. |
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West Financial Services
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There are 3 main reasons for life insurance.
1. A life insurance need due to debt or dependency: If you currently have debt that will be passed along to loved ones if something were to happen to you (e.g. Mortgage, Credit card debt, car notes, etc..) Also, if you are the sole person that produces income and you have other people that are dependent on that income (children, or other individuals that do not work) then life insurance will be needed to sustain their lifestyle if something were to happen to you
2. Business interests: If you own a business along with another partner, life insurance is needed in order to "buy" the deceased partner’s family share of the business. This is called "buy/sell" insurance. There are other reasons you need life insurance in a business venture but this is the most basic concept.
3. Legacy / estate tax protection: Some people feel they should buy life insurance to pass an amount of money on to their loved ones when they pass away. On the other hand, the highly wealthy need life insurance in order to protect their estate from possible liquidation if they do not have enough liquid assets to pay the estate tax upon death.
I hope this helps, PM me if you have any other questions
Theodore G. Blado |
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puja j
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hi check this link its good
http://insuranceadviceforyou.blogspot.com/
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aaron p
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If you died, would it be important for someone you know to have liquidity beyond what you can offer them right now?
Usually yes, but sometimes no. |
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