 Life insurance question? |
| My husband and I are looking into purchasing life insurance, and I'd like to get some input. (Although I give a lot of answers in the insurance category for other types of insurance, I don'... |
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 Hospital bills? |
| If someone was 77 yrs old and had medicare in the state of TN, will there be any bills for that person to stay in the hospital or will medicare pay it all? Or if medicare doesnt pay it all, will ... |
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 What should she do next about this insurance claim? |
| My niece's 3 year old fell into a drain on a platform on the National Rail network. I won't exaggerate, it wasn't a big drain, and it was one leg that went in but he did scrape his leg.... |
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 I fell at work today and they let me off early. Do I get reimbursed? |
| I'm 15 and I work at Dairy Queen. I slipped and fell on a wet floor today while holding a cup of open soda. I fell right on my tailbone and soda fell all over me and my hair was totally drenched.... |
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 I work for a guy who commits insurance fraud on a daily basis and it is driving me crazy, what can I do? |
| He will damage vehicles on purpose to make a bigger estimate, charge for new parts and put old ones back on, charge for premium paint and then use the cheap brand etc.He is the owner of the company ... |
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 My neighbor accidentaly shot firework through my window and caused some fire damage to my living room.? |
| The works needed are covered by my buildings insurance policy. what I want to know is, are the insurance company likely to say that the person who caused the damage is the person who I should be ... |
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 Anyone here know how to convince your insurance company your not commiting fraud? |
I am looking for a way to fake out my insurance company and make it look like i really have the items i dont have my appartment was "broken into"
i filled out police report but the ... |
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 Is anyone know where I can get some good life Insurance for a person 80? its my grandma she is dieing.? |
| I know it is very late to be finding a insurance policy for someone that old. But my family really wants to know where we can get some good insurance. My grandmother wad dignosed with cancer. Please ... |
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 Do learning drivers need to be insured? |
| I have my permit-- do I need some kind of policy, or does my parents' car insurance cover me as well? Their worry is that if I have a crash I won't be insured and the money will come out of ... |
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 Is it worth taking out an insurance o my computer? |
| My warrantee expires on the 3rd December and they are asking for £159 full payment for two years or £215 full payment for 4 years.Its a compaq Pressario and I cant live without it even for a minute.... |
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 If I committ suicide, will my life insurance still pay? |
| I want my life insurance to pay my benefactors after I'm gone. Will they still do it after I kill myself? Or, does that void the agreement/contract?... |
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 Can I sue a Collection Agency?? |
VICTIM OF FRAUD
My wife was having a baby back on May-2006, Her primary Doctor sent her
To the Obstetrix Medical Group Located in Hamilton Ave San Jose, Ca.
Her primary Doctor ... |
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dsinngerdj | What kind of life insurance do you have?cash value or term? |
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mrjo_ct
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I have both. I have term insurance to take care of my immediate insurance needs. I have a permanant policy that I get to keep(and is currently being paid for by accumulated dividends so it costs me nothing) as it is good for any final expenses and needs in my older years.
If anyone ever tells you to only buy one or the other, run away as fast as you can. Each person has their own individual needs. |
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529s.com
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I have both. Most people after a financial review will find that both is needed for a solid financial future. |
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Financial Answer Guy
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No Adverts on Y!Answers. |
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mkulda
 |
If you are a saavy investor, you'll do like I do.
Buy a 20-year term policy for as much as you need to cover house, car, college education for the kids, etc. and then be very diligent about taking what you would have paid for whole life and actively investing it.
Note than when the term is up you'll have to renew at a much higher rate, but hopefully you'll have a saved up a bunch and you won't need as much insurance since you'll have likely paid off what you needed to by then. |
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2fine4u
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Term..Whole life too, but I would not pay for whole life, it is a rip off. |
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Common Sense
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30 year level term.
Any "Whole Life" product is a rip off.
Stay with a top rated company. Don't be swayed by "cash value". The only people that "push" this product are people that make a commission on it.
Ask yourself. Have you ever (ever) seen an independent article in any respected financial magazine or newspaper suggesting "cash value" insurance products? THE ANSWER IS NEVER (ever)....... |
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jamacian
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20 year level term. |
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fcas80
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I have term for my life insurance needs. I don't use life insurance for my investment needs. |
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LifeInsuranceAgent
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Term with good conversion privilege. |
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insuranceguytx
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I have both. I also carry 10 golf clubs in my golf bag.
Everyone is in a different position. Everyone's insurance needs differ. Term is cheap because only about 2% of people with term insurance will die and thus trigger the death benefit.
IF (and that is a mighty big IF) a person can save and invest diligently AND be assured that those savings will cover all of that person's future needs then Term and investing works. In my experience, it is a rare person that can achieve that much wealth.
blsmgs, I've met many people who wished they owned a permanent policy and widows and widowers of people with term policies. They work at WalMart.
I'll find an independent journal article for your reference.
Or you could talk with a fee-based financial planner and ask under what circumstances a cash value (permanent) policy makes sense. |
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BrianM98
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Term. It's cheaper. |
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mahokey88
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none...i'm too poor |
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