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Additional Details
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jessica | What kind of Life Insurance is there, where the payout is at least $1 million? |
Additional Details
can you please give me the names of the insurance companies - thank you
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Zarnev
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You can get life insurance for almost any amount. However, for high amounts of $1M and over the insurance company may ask you why you need that much. If your reason is valid they'll sell it to you, if not they won't.
The best kind for most people is a term policy, most companies have a term which can run from 5 to 30 years but a few go to 40 years. If you get this kind you'll want to get a level term for the entire length of the policy. With a level term the premium stays the same throughout the life of the policy.
You can also get "permanent" life policies. You can get whole life, which is the costliest and IMHO not a very good policy. You can also get fixed or variable universal life. Ask an agent if these policies would be right for you. |
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Financial JUSTICE
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Well, don't buy any cash value life policies (whole life, universal life, or variable life). They all suck and ripoffs. Buy term instead. It will save you a bundle and give you more room to manage your finances. |
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sarah m
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planning on doing someone in? |
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mbrcatz
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All kinds - term, whole, universal, variable . . . it's not hard to get, if you're willing to pay the price. |
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Hadley
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There are several types of life insurance that are offered for limits of $1,000,000 in coverage and over.
These types include Term, Whole, Variable, and Universal life insurance.
Term life insurance is usually the least expensive type of life insurance to purchase if you are young.
The amount of life insurance you can get depends on your age, health, whether you smoke, if you're on medication, how long you need the coverage, what you can afford, and whether you have existing life insurance policies in force and for how much coverage. The life insurance company doesn't want you to be overinsured, then you are worth more dead than alive.
You can request free, no obligation quotes online for term life insurance and compare rates from several companies side-by-side. Rates may vary by up to 50% or more between companies, so make sure to compare rates.
For $1,000,000 of coverage or more the isnurance company will require you to take a physical exam and they will verify your income level.
I hope that helps! Best of luck to you. |
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DFW Broker
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In the million plus range
Depending on your situation the company and product type would vary.
I do find it interesting that you will have 3 or 4 people make sure you buy term and not UL but none ask whether estate taxation issues may come up. Because while paying a bad premium might cost you as much as few thousand a year but improper ownership and beneficiary designations could cost your family 45% of all the estate. Lets say your net worth is 2,300,000 today that proper ownership of the policy will get 3.3 million your family if you die tomorrow where a bad ownership issue could cost you upwards of 45or 50% of the 3.3 million estate (including life insurance proceeds which anybody needing more than 1 million in coverage, is in my opinion, much more at risk from than the term v differnece |
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kelannde
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Most life insurance companies offers $1 million in insurance, as long as you can afrord the premiums. The customer chooses the amount they are insured for -- the higher the coverage, the more you pay per month for the insurance. |
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headfirst819
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I found Mutual of Omaha to be a very reliable and one of the most cost effective companies. The type of policy you want depends on what you're getting it for. Example if your very young, healthy and have a family, then you might want a cost effective term policy to cover you during your income producing years. If however, you are buying to cover estate taxes, then you want permanent life. What state are you in? |
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insuranceguytx
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Go talk to a licensed insurance agent in your area. |
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Jordan W
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Primerica, and we are a subsidiary of CITI Group just to let you know that we have one of the worlds largest financial companies backing us and we can help you invest so that you will build up your worth and you won't need life insurance because you'll be self insured.... |
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