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tjunsworth | Whats the best life insurance? |
I am a 35 year old smoker ,i rent a property and looking for some info on wots the best life insurance for me that will obviously pay for funeral costs,outstanding debts and make life comfy for my wife & kids and if possible a little cash back some time in the policy if i dont die |
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Financial JUSTICE
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Buy term and invest into mutual funds. That's the best unbeatable plan.
With term insurance, you can buy lots of coverage for a low amount of premium. Since you smoke, you probably won't be able to afford lots of coverage, but term insurance is definitely way cheaper than whole life or universal life insurance.
If you open a Roth IRA and invest $200/month (which is about $7/day) into mutual funds, with a 12% rate of return, you can potentially have $706k in 30 years. There is no life insurance policy out there that gives a 12%. By keeping your savings separate from life insurance, you will get a better rate of return on your money. |
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dave j
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Your gonna die son lmao..everyone will one day sooner or later...xx |
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Jill
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Dude you are going to die eventually. Term life is the best type of policy. The type you are describing is whole life. Whole life policies are very expensive and do not give you near the return that other types of investments that are available now can give. The important thing with the term life policies though, is to lock them in for as long as you can, because when the term is up you will have to most likely get a physical and your premium will sky rocket if you are very old or have suffered any types of diseases during the term of the first policy. |
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Darrell R
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As a smoker, I recommend getting a term policy for now and looking in to it agin after you have quit smoking. If you think you aren't going to quit ever. you may also look at a money back term policy. It gives you your money back at the end of the term if you aren't dead yet. You have to keep the policy for the full term to get all of your money back.
Whole life isn't bad, but Universal policies are much more common now. The cost is much higher than term, but you build money and get interest on the money in the policy. It is also permanent. If you want insurance that will last in to your later years, universal is the way to go. You may also look at a combination of plans since your needs will change in the future.
Good Fortune!
Darrell |
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aires69uk OFFICIAL
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That's like saying what's the best dog - how do you answer that?
First things first - give up smoking! Not only does it make your clothes stink and your breath stink, make you out of breath and irritable, and finally shortens your life (for so many many reasons) - it will not in any way be looked upon favourably by life insurance companies.
Contact a local insurance broker is my advice and have a word with them. But give up the smoking for feck's sake. |
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Kristy - Kaitlyn's mommy
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Your best bet is to call around to local insurance companies and get quotes for term life insurance (whole life insurance is expensive and since you are a smoker it will be sky high). I would go to a reputable companies, like Metlife. |
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Sean w
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I agree with some of the other answers, you really should consider quitting smoking. I know you must be fed of people saying so and you didnt come on here to have people tell you that but it's worth considering. You should think of your children too. I recently lost my father who was a smoker in his younger years who gave up smoking when i was a child, he died of a heart attack for which the primary cause was said to be hardening of the arteries (which happens with age) which had been worsened greatly by smoking. If he had continued to smoke he may have died much younger. As it was he was only 62 and had just taken retirement :( I may no longer be a child but the pain of losing my father is just as severe :( I'm not trying to scare you just give an example of how smoking can ruin lives and cut down the precious time we have together as a family.
I would say the best advice i can give is to have a look round and get a few quotes checking the features and comparing them i the process. Have a look at monyeysupermarket they have a life insurance comparison page :) |
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noeusuperstate
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Being a smoker theses days will raise the premiums. You are best off using a brokerage service so they can check a range of companies as well as doing some research yourself by calling people such Prudential/Scottish Widows etc.
Consider this also. Life insurance works with a with profits element so that some of what you pay goes towards a fund invested in the stock market to try to make a profit. This can vary and be varied by you. So sit down and establish information that is relevant to you as everyone is different.
Questions to ask are.
How much do I owe on the mortgage (if you have one)
How much is my salary after tax
How old are my children and how long will they be at school
Might my children want to go to university
Do any of my children have special needs
How much other debt do I have besides the mortgage
Do I have any payment protection policies in place
Does my company insure my life.
Would I be better off life Life Assurance which has no profits runs for a fixed term and pays out only in case of death.
Do I have any critical illness cover in the plan in case I die slowly and expensively.
At what point might my plan attract the attention of the tax man.
What other assets do I own. |
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Susan T
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This really depends on what you have said + other things. Go to the web site, or ring a company such as Simply Switch and ask them. They will assess the best one for your circumstances. |
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Mr. Prefect
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Final insurance pays for death benefits for your family after you are gone. But if you have adequate life insurance to begin with, this is not necessary, and you certainly don't need a whole life policy, which is what you describe, which, although it pays a miniscule amount of interest, costs up to 9 times as much as term. |
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