 Does it make sense for a wealthy person to pay for health insurance or just invest their money & pay for? |
| health needs of the interest of their money? Please, no junktastic answers. Only if you have true knowledge in finances. Thanks so much. :D... |
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 Time to get life insurance during economic crisis? |
Would it be a good time to get life insurance during financial and economic crisis? Because i heard a lot of people talking about getting life insurance.
T... |
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| What do financial advisors think about universal life insurance? |
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I was looking at MetLife Guarantee Advantage Univeral Life, and i was looking at buying it directrly from the agent not thru a fee only ... |
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 Term mortgage insurance.Who gets the house? |
| Im thinking about getting mortgage insurance on my home. This is my first home and i dont have it mortgage insur. now. How much does term mortgage insur. normally run and who gets the house if i pass ... |
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 Insurance: The Ultimate Gamble? |
My hubby and I debate this all the time, he wants to insure everything we own. I say it is like betting against yourself.
You are betting you are unfortunate and have an accident, or ... |
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 Is it customary to make a check out to an insurance broker (instead of the insurance company)? |
| I am applying for personal liabiility insurance for private educational consulting and the application says to make the check out to the broker...that seems weird to me...does anyone know?... |
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 Why do parents get life insurance on their children? |
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blonde--certainly children have lives too, but seeing as how life insurance on a child doesn't insure that they keep life, i don't understand the offensive ... |
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 What type of life insurance do you recommend??? |
| I am male, 37, non smoker, 3 kids, working wife, make about 72,000 a year.... |
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 Do I need public liability Insurance ? |
We are starting a service that matches companies to website designers. Its an online service.
Theoretically there could be issue between the companies meeting through our service. Would we ... |
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 I am currently medically insured through my husband's company, my new job offers free insurance.? |
Hello and thanks in advance.
I currently have medical insurance thru my husband's company. I just started a new job and they offer free medical insurance to their employees (not their ... |
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 What type of Life Insurance is best for my husband and I? (We just purchased a home, we are both 23 years old) |
| My husband and I are both 23 years old and we just purchased a home. We have been under pressure from our Insurance Agent and our Mortgage broker to obtain Life Insurance in case something happens ... |
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 Do you know anybody who has faked a burglary to claim insurance? |
| did they get away with it. i know someone who did, should i have told insurance company.... |
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 COBRA Insurance question? |
| My wife currently carries our family insurance with her company. We were wanting to have another baby on her insurance and she is wanting to quit working in Jan. If that is the case we would ... |
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 What are your thoughts on insurance's.Do you feel they are just a scam in disguise? |
They all want your money,but then when you need it,there's always a catch,or some reason they come up with, to keep from giving you the money..
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I think there main ... |
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Lilac Lady | What other options apart from Life insurance? |
I can't get any life insurance for various reasons, but I want to provide for my family in the event of serious illness or death. Are there any other options?
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I don't have the money now, hense the saving plan question. I want to provide for children if I were to die or become ill at a young age, so retirement fund is no good. |
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iritadragon
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A Registered Retirement Savings Plan. With your family named as beneficiaries in the event of your death.
And you should be able to get a minimal Life Insurance policy for $25,000 irrespective of your age or medical condition. A lot of companies carry the "no questions asked" policies. |
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mpr7274
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In the UK, some companies offer "non-advice term assurance" where you can get a maximum sum assured of £50,000, payable in the event of death.
There are also IPP's which are Income Protection Plans, which would pay your family a monthly sum if you were out of work due to accident/sickness, however, they would cease upon death.
To be honest, the best option, when you are in a position to do so, would be to take out a regular savings plan - preferably a tax free one - and have it written in trust for whoever you wish to benefit.
Hope this helps. |
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insuranceguytx
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Lilac,
There are life insurance policies that are "Guaranteed Issue." The insurance company does not ask any questions about your health. These policies are expensive but they do provide a benefit if you were to die thus enabling you to provide for your children.
Take a hard look at your budget and your spending. Save Save Save then Save some more and thus you will accumulate a nice nest egg.
You NEED to go talk to several professional - insurance agent and lawyer about your situation. The insurance agent can work with you to provide the protection and the lawyer can provide the NECESSARY documents that will protect you, your children and your assets in the event that a disability or death occurs.
Talk to as many professionals as you need to until you find one with whom you feel comfortable then tell him/her everything.
Good Luck |
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wolfkin77
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some companies (like mine) offer a policy for people with health (or other risk related) problems. feel free to contact more for information. |
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frank_j_hernandez
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You're obviously very caring - you want to see that your family are OK if you are seriously ill or die.
Hard as it is , my advice is not to worry about it. Why don't you use any money you have to enjoy the rest of YOUR LIFE. This is not being selfish, why not even include your family in this, take them on holiday for instance.
I'm sure they would be happier enjoying the time they have left with you than, spending cash when you have gone - If they are not then why bother leaving them anything anyway.
Remember, money does not always equal happiness.
Don't worry about what is going to happen after you die, enjoy every moment of every day until it happens. |
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efrankpaca83
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For sure you could find the right life insurance |
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tricky dicky
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The lottery!!!! |
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mowerman
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save in a isa £3000 ayear tax free best rate of interest |
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CJ
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Buy some annuities. Any good broker will be able to help you!
You will make monthly payments, just like life insurance premiums, except that you will be able to determine how much you wish to buy, and how much to pay! Good luck! |
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MCP
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Give it to them now, then you can all enjoy it together. |
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