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INSUR... |
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Additional Details
I'm currently on Yaz and it's due to run out in a few weeks. I have no insurance at the moment because I recently moved to a new state and had to quit my ... |
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| My 53 year old father is in extremely poor health with heart and lung disease, and is on Disability. He has no life insurance and no savings. When the time comes and he passes on, the expenses will ... |
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| Will I have to apply for a new loan with my bank or will they do something like give me another loan for the amount I had left on the original loan? I ask because my credit is not so great and I ... |
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boy scout | So what are the pros and cons of life insurance? |
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james m
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Pros:
1. Permanent insurance is, if you die too soon, Money for Them when they will need it most. (Food, Clothing, Shelter, Necessities of life)
2. If you live too long- Money for you when you will need it most.
3. It is a contract of adhesion; All you have to do is pay the premiums. The company has to fulfill all the promises in the policy.
There is no other vehicle like a life insurance policy, especially when it includes disability waiver of premium, and dove-tailed with a disability income policy or rider.
At least one of three occurrences WILL take place: You will live to retire; die before you retire; or be disabled. With a life insurance and disability policy described above, you can't lose. If you live to retire, there will be funds there that you can use to supplement your retirement. If you die, there will be funds there for your family's well being. If you are disabled before age 60, your premiums on the life insurance will be waived, and the disiability income policy or rider will provide an income to pay your bills and keep food on the table.
Cons: ?
You have to pay premiums.
Here's an idea. Take a sheet of paper from a legal pad, and draw a large T on the paper. On the left at the top of the T print PROS. On the other side at the top of the T print CONS. Under the PROS write down every reason you can think of to buy life insurance. Under CONS write down ever excuse not to.
After you do this, compare the PROS to the CONS, and then call a LOCAL agent to do a Financial Need Analysis to determine your life insurance need. |
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John M
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Life insurance is important if you have children or a wife depending on your income. Get term life insurance which is just plain pure life insurance. Don't get whole life, universal life, etc. Just regular term life. Once your kids are grown and you have some money saved up and some equity in a home etc. you can reduce your life insurance needs. The premiums for term life go up as you get older, but your need for life insurance goes down.
It's important to get some life insurance as soon as someone who depends on you would be in tough shape if you died. |
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greywethr
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It depends on how much $ you have/make. If you're wealthy, it's probably not so important. However, anyone who dies and leaves their family the debt of burial costs and other debt is a horrible person, or just incredibly irresponsible. |
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???
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pro: You know that if something ever happens to you your family will be okay. Con: You waste a lot of money on it. Also if you don't get a good enough plan your family will have very little support. |
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GuitarMaster
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Pros: You have it, you are insured.
Cons: You have to pay for it.
That is basically the general idea. |
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Sonia
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The pros- It will dry some tears...and protect your loved ones. It is the responsible thing to do for your children security in case you are not around.
The cons- Only 2% of all life insurance is claimed. |
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eji
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Pro: A family with children at home, and a mortgage and/or debts.
Con: Need for less after children are through school and debts are small.
Maybe none if savings and retirement is covered for a spouse. |
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src50
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Figure it out. |
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mbrcatz
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Same as the pros and cons of a table saw.
Life insurance is a tool - a financial tool. If you pick the right tool for the job, you'll be happy. If you pick the wrong tool for the job, you won't - like, trying to cut your finger nails with a table saw.
Define the job FIRST. Then pick the tool that fits the goal, NOT the other way around. |
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Insurance Pickle.com
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Pro - it provides dollars that you can't on your own
Con - it costs dollars to get |
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Ed Atun
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Pro: your family thinks you are a great guy when you die and leave them fantastically rich.
Con: The year you buy the insurance it seems like an enormous amount of money. 50 years later when you die, it is only enuf to make 2 mortgage payments. |
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