I need your help regarding the insurance coverage. Here is my story?
My mother in law works at a grocery retailer and gets medical insurance coverage from the employer. She wants to quit because ...
if i just signed up with them like 1 day ago?
i think i want to go with a different insurance i have AIG now and heard a couple of bad things about them. anyone have any expericence with them?...
I'm looking for a renters insurance company that is not expensive and has knowledgeable and cordial employees. Is not eager to deny claims and has an extensive policy.
Variable Universal Life Insurance Policies (VUL) makes up over 20 percent of the Life Insurance Market. There are so many negatives to VULs. 1) Charges a ridiculously high fee every month. 2) Carries ...
Looking to switch insurance companies. I'm paying 277/mo (6 mo) and currently do not have renter's insurance. I have 2 accidents 2 1/2 years apart. My last accident was in Dec. 2007. My ...
does a child receive their compensation following an accident or is it held in trust until they are 16. The latter was told to me by a neighbour. Additional Details this was a non fault ...
I'm now covered by the employer's health insurance (with dental) plan. After I quit/leave current job, how does this health insurance coverage work? Before I'm hired by other company,...
If it helps... I want to ensure a wedding band and engagement ring and the cost of the two were combined to be $8077.00. I assume that I have to get an appraisal and if so what is the quickest way to ...
I need to get health insurance. I have no job and No income so i have no way to get health insurance. I went to the state to get health insurance and I was not eligable for Medicare. I live with my ...
I was talking to a recently married first time parents couple who find themselves facing a near 18,000 medical expense for their first born daughter who is worth every penny but the bills come out to ...
If you work part-time with no health insurance, can you purchase insurance through your company or purchase your own insurance coverage outside or your company?...
Anyone heard of this or has it? I'm thinking of getting this type on insurance but am unsure. Are all life insurance cut and dry or what? I know we can't afford whole life so that's ...
green eyes
Life insurance?
is there a reputable company that you trust for life insurance. Does anybody have life insurance and does it really work as far as paying it to your benefiiciaries in case of your death?
any help would be greatly appreciated..
There are many. Talk with both brokers and agents to get a feel for things. Ask questions and take notes. For most (98%) people, term insurance is best. Some questions you should ask include:
How long before my beneficiary receives the money typically?
Is it delivered by the agent or mailed from the company?
Will I get help with decided the best use for it?
How long will coverage be enforce?
Can I renew with same coverage and type (eg: preferred) with out proving insurability (in case you get cancer or something just, if not more, serious)?
Is renewal automatic?
How long is the coverage level?
May I include my spouse/children on the same policy (one policy vs. 3 or more)?
Good luck.
C J
My wife and I used http://www.nationalinsurancesite.com/life/. You can compare life insurance quotes on this site and find out what plan best suits you. Give them a try. Hope they can help you out. Good luck.
Ron
I am a licensed agent appointed with Nationwide Insurance. We offer outstanding life insurance products and are A+ rated with A.M. Best. The rating means we have enough funds on hand to maintain solvency and financial stability.
Always look for ratings of this sort.
Ron, ChFC
Investment Advisor
Insurance Made Easy.biz
I suggest you look for a local broker that can help you sort through the different companies available.You can us yellowpages.com to search for life insurance brokers in your area. A Broker represents multiple carriers and can help you sort through all the different insurance companies and plan options in your state. You can call your auto and home agent they specialize in property and causality insurance and usually have a good knowledge of life insurance. But you may have better luck with someone that specializes in life insurance. These areas of insurance even require separate licenses. Plus you auto agent will sell you the brand they represent when a broker has more flexibility in the plans they can sell.
mbrcatz
Yes, there are lots of companies. Most are A rated (life insurance is very profitable). Most people have life insurance at some point in their lives - about 30% of americans die with an active policy in force. Yes, it really pays the named beneficiaries.
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