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 Please suggest me the Insurance policy.? |
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amber 2 | Term Life insurance? |
If I choose to get a term life insurance policy for say...20 years..and I die before those years are up, will my beneficeries be able to get the money-or will I just have paid that money for nothing?
Please no smart answers!! |
 |
 
james m
 |
If you purchase a 20-year term policy, and you die befre the term is up, the policy will pay the full face amount of the policy to your named beneficiary, as long as you keep the premium paid on time, within the 31-day grace period. If your late payment goes beyond the 31 days, and you die on the 32nd day, too bad, it will not pay.
The policy will even pay for suicide after it has been inforce for two years.
You might want to consider a combination of whole life and term, rather than 100% term, after you have been professionaly informed of the differences by a professional agent in your area.
Check with the agent who handles your auto insurance.
Best wishes, and God bless.
PS. "CHRIS A" is so uninformed, it's not funny. This is another example of people answering questions about subjects that they know absolutely nothing about. |
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Common Sense
 |
If you're referring to a 20 year "certain" policy you are fully covered from day 1 of the acceptance by the insurer.
(consider a 30 year certain if you can get it).... |
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CHRIS A
 |
In most instances your beneficiaries will be paid. Provided your death meets certain criteria, such as not being a suicide. Term life insurance is like betting the insurance carrier you will not live past the term of the contract,as long as you follow the rules of the bet, i.e no smoking , skydiving or working as a crash test dummy. Of course I try to add humor but it's true, if you die a suscpicious death, insurance companies will find loopholes for your family to not get paid. Also live past the term of your policy and you get nothing. So really it's a lose-lose situation. Keep paying the premium until you die or die and somebody cashes in the policy. Either way you are still dead. |
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src50
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The beneficiaries will get the death benefit payout. That's the whole idea of term insurance. You do not get the premiums back, if that's what you're asking. |
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mbrcatz
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Yes, the whole point of a 20 year term policy, is if you die AT ANY TIME during the entire 20 year term, the policy pays out the face value to your beneficiary.
If you get hit by a bus, 2 days after the policy begins, THEY PAY THE FULL AMOUNT. |
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J
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The answer is that if you die the beneficiaries will get the money. I am familiar with the US life insurance market. In some cases insurance companies have gone out of business and beneficiaries were still paid - the state and other insurance companies came to the rescue so that it didn't damage the reputation of all life insurance companies.
That being said it is always best to go with a large, well known and highly rated life insurance company whenever possible. |
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