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Cost of my house: $41,000. Mortgage? 30 years
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 Which term life insurance policy should i choose? I am 29 and deciding between 20 year and 30 year policies..? |
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kekt | Whole life insurance opinion? |
Can you purchase whole life insurance that is good no matter where you live so say you spend a couple of years in europe then back to the states then off to asia . are you always really covered by these policies that you take out in one country . Is there some kind of stipulation about having a residence .I am not interested in travel insurance as it is a waste , |
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coldwarkid79
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life insurance is a waste of money |
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hungry man
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You don't mention if your travels are business or pleasure. If you have a residency established in the US and are in good health, then you should not have any trouble getting a policy. The companies are interested in what type of risk you are going to encounter.
Are you going to travel around to climb different mountains, try different areas of sky diving, etc. This is what the companies would be interested in knowing. Otherwise, I see no reason you couldn't get a policy. Regarding whole life or term, you should talk to an insurance agent you trust regarding that subject. |
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Ken
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Addressing the travel issue first, once a policy is issued in the U.S., you can travel anywhere you like and still retain coverage as long as you continue to pay your premiums on time. You are covered where ever you go and for whatever you do as long as you didn't lie on the application for the coverage about your plans to do so. Once a lapse occurs, the company's underwriters have a right to "decide" whether or not they wish to reinstate your policy. As to the type of life insurance, I consider it to be a complete waste of money to buy anything other than Term life insurance. Paying more to buy whole life, variable life, universal life makes no sense. These policies do eventually build up cash value but you can save a heck of a lot more by investing the money yourself in just about anything. Good luck. |
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Serge M
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Once you buy a life insurance policy, you are covered by it no matter where you are, as long as you pay the premiums. If you die, your beneficiaries receive the proceeds of the policy.
Whole life insurance consists of term insurance plus a savings plan. It is more expensive and provides higher commissions to the insurance sales person so they like to push it. The best life insurance is term insurance which is pure insurance and costs the least for the amount of coverage. |
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mbrcatz
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As long as the company agrees to it. Most won't. |
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