 I need the best site for health insurance for a small business? |
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 I had a accident. what options I have? |
Accident wasn't my fault. I have a question
Insurance company phoned me and told that they will pick up the car and repair it. First of all they didn;t see the car. Second thing I want to ... |
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 What is the difference between whole and term life insurance? |
| Which one is better to provide for your families needs if something happed to you?... |
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 Insurance major? |
if i am going into insurace business later on, what major should I get my BA on???
Additional Details
i am going to be an insurace agent.... |
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 What exactly is term life insurance? |
| in details please..but i hear you can cash it in..what does that mean...i know what it mean mean...but like what does it mean when it comes to..are you going to owe them something if you cash it in..... |
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 Why do doctors charge less if you do not have insurance? |
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james a | Term insurance? |
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Bradley S
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Term life covers you for specified amount of time, or term. All of the premiums that you pay for a term life policy will be gone, however, when the term is up. You have purchased security, but that is all. You will never see that money again.
If you get a whole life policy, the insurance company will invest your premiums and your policy will build cash value over the years. A whole life policy will never expire, as long as you continue to pay your premiums. If you live 20 years and 1 day more, you will still be covered under whole life. You will not be covered under term. If you live to 80, you will still be covered. At some point, your cash value can be used to pay the premiums for you, to keep the policy in force. You can also borrow against the cash value. A whole life policy is more expensive, but you are young and should get a good rate.
The usual criticism of whole life insurance is that you could invest the money you would save by getting term life in something that earns more money, faster. That may be true, but be realistic about your investing skills: Would you really invest the premium savings? Do you know enough about investing to guarantee a profit? Whole life is guaranteed to build cash value. And how and where are you going to invest $20 a month? To find out more, go here: http://www.lifeinsurancewiz.com Good luck! |
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hunsy
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Term insurance provides protection for a specific period of time usually 10 to 30 yrs. This policy will only pay out if the holder dies with in the that period of time. If they live past the 10 to 30 yrs it will pay nothing. |
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Hadley
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Term insurance is a type of life insurance that provides protection for a specific number of years, usaully 10, 15, 20 or 30 years.
In 2003, 97% of all term policies puchased in the U.S. were Level Term Life Insurance.
Level term life insurance provides rates and coverage that remain the same for the entire term of the policy.
Term life insurance is usually the most affordable option for people under age 50.
Permanent life insurance can cost as much as 3-10 times as much as term life insurance depending on your age.
Term life insurance is "pure protection" because it does not build cash value within the policy.
Term life insurance is good for young families and those on a budget who need the maximum amount of life insurance protection for the lowest cost.
It's quick and easy to compare term life insurance quotes and plans online by using one of the reputable quote providesrs. To get up to 12 instant quotes from top-rated life insurers go to efinancial at https://www.efinancial.com/smartquoteefc.aspx?source=389-777 You fill out one form and compare side-by-side quotes from leading insurers nationwide.
Rates for term life insurance may vary by up to 50% or more between insurers, so it's a good idea to compare several quotes. And, there's no obligation and no sales pressure.
To learn more about term insurance visit http://www.term-life-online.com
I hope that helps! Best of luck to you. |
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cwag
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Much depends on the type of need(s)and purposes, personal cash flows, overalll liquidity, overal debt, best or efficient use of assets, types of term, quality of the insurance co. and convertibility of the term; these are just a few specifics a person or corp. needs to know.
Cheap doesn't necessarily mean good or that the term co. has certain values inherent in the policy.
Does it underwrite at issue or at claim? Most underwrite at issue to truly evaluate the individual risk. Good luck & aDios |
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KevK
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Term life insurance provides life insurance coverage for a specific time period (term). It is often referred to as temporary insurance or pure insurance, in that there is no cash value in the policy. The face amount of the policy is paid if you die during the term of the policy. When you live longer than the term of the insurance coverage, nothing is paid.
Term insurance is appropriate for situations when there is a high need for insurance but not much cash flow to pay for it. For example, a young family with limited cash resources may have a great need for survivor income to provide for living expenses and education needs. Term insurance is especially helpful here, allowing the family to buy insurance protection with minimal cash outlay.
Term insurance is well suited to cover short-term needs, such as coverage during your working years, the college years, or for the duration of a loan or mortgage. Generally, a short-term need is considered to last 10 years or less and may include coverage for nonrecurring business-debt security, key person coverage in a start-up business, or the young family just starting out.
Term insurance is generally the most efficient way to achieve maximum life insurance protection for a minimum current cash outlay. When you are young and just beginning your career or family, you may have a need for insurance but not much cash to pay for it. You can usually buy a larger death benefit for less cash with a term policy than you could get with any other type of life insurance policy.
You can buy term insurance coverage for the time period that best suits your needs. Generally, you can increase your coverage if your needs change and renew your policy for an additional period. Increases in coverage will probably require new proof of insurability at that time. |
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mbrcatz
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verb? |
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Joseph G
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If your question relates to contrasting term vs. whole life or universal life, I would give my vote to term. The reason being is that I am a capitalist and feel that your money can be invested more successfully by you and not the insurance company. Any life policy other than term is nothing more than a forced savings plan. That being said, this is a good alternative for alot of folks. Just FYI insurance agents make better commissions on whole life products. If you need pricing on term plans please email me if you are in Texas and I will gladly price for you.
joseph.grasso@sbcglobal.net
www.grassoinsurance.com
469-252-5063 |
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golferwhoworks
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Yes -- is there a question here? |
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