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mikecc143 | Life insurance Help.? |
I am 18 years old and i have a two year old daughter. I want to take out a life insurace policy but my family keeps saying im dumb. I am only doing it because i want my beautiful daughter to be taken care of if something happens to me. This world is crazy and i dont think it will hurt to have a little something set up. What should i do am i just being dumb or does it sound good. what a few dollars a month. It will give me a peace of mind that at least there is something left for her. |
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jamieveguilla
|
you are far from dumb and im really not understanding your family when they say you are...i am 24 and have a policy through the union where my husband works for 5 years now. me, my oldest son and husband are all covered(i have yet to add the baby girl) we all have accidental coverage as well as a policy that allows you to collect retirement at 65 or you may let it mature at 70 years. we have something where the ins company covers 100% of all funeral costs up front so if a death occurs you dont have to shuffle through papers while grieving. all paperwork may be done after the funeral has taken place, and that is on thing that i really like. i pay 22 dollars a month, fixed rate, for all of us and i believe the longer you wait the higher the premiums are. the company is A. I. L and the website is www.ailife.com good luck mike and you are NOT dumb but actually very smart for thinking ahead for your family! |
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Hadley
|
I think you are being very smart and a responsible adult. To provide for the future security of your daughter is the right thing to do.
You may want to check with your employer if they offer term life insurance and what the cost would be.
If you are currently staying at home to take care of your daughter, you may want to look into the cost of term life insurance.
Term insurance offers young adults the maximum amount of life insurance protection for the lowest cost in most cases.
Since your daughter is two years old, you may want to take out level term life insurance for a 20 year or 30 year term. This would stay in place for that period of time and provide money to help support your daughter if you were to pass away.
Level term life insurance provides a death benefit that remains level for the entire period of your policy. The premium also remains the same for each year.
One company that is considered good is Prudential Life Insurance. They were founded in 1878 and they are rated A+ Superior for financial strength.
Prudential is a name you can trust, and you can have the Peace of Mind knowing your daughter is taken care of.
You can request a free quote from Prudential at http://tcgtrk.com/click.pl?l=172&ca=4466&c=8732&mt=e&t-subid=707
I hope that helps! Best of luck to you and your daughter. |
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Insurance
|
Go ahead, Life Insurance is good for you. I have made many claims before for my customers be it life claims, medical claims, accident claims. When it come to any mishaps, the first question family members will ask is "do u have any insurance?" bcoz no one likes financial burden.
Anyone who asked my customer not to buy insurance, I will ask that person to sign a memorandum to undertake my customer's well being in the event of any mishap.
good luck |
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insuranceguytx
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Congratulations on taking responsibility for your daughter's care.
At your age, life insurance is very inexpensive -- probably around 50 cents per day for a nice size term policy.
You should meet with a local independent agent to discuss your needs and the type of insurance you should purchase NOW and the type you will need later.
You should also meet with a lawyer and discuss a will and establishing a guardian for your daughter and putting the insurance money (if you die) into a trust for your daughter. That means naming a trustee. The trustee can ge a different person than the guardian. The trustee will be in charge of disbursing the money for your daughter's care.
If you just name someone as the beneficiary of the life insurance, that person can spend the money however they want - new car, new clothes, new house - not necessarily on your daughter's care.
Good Luck
. |
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Zarnev
 |
You are smart to get a life policy to provide for your daughter. In most cases a 20 year term will be a good policy for you to get and will run around $10 per month. However, don't name your daughter as the beneficiary. You will want to name someone you trust that will take care of your daughter because the courts won't let a minor control money from a life policy. You also need a trust or at least a will which states that you want the beneficiary to care for your daughter with the proceeds from the policy.
Visit a local independent agent who can shop for the best policy for you. This person doesn't charge you anything for the service. |
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Ted M
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if you have a two year old daughter, you should have at least enough life insurance to cover 10 years of your salary, but preferably even more.
i would go with mostly term life, except maybe enough whole life to cover your funeral expenses.
term life is better in your case, because hopefullyin 20-30 years (the term coverage) your daughter will be out on your own
also, get a will in order |
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