Life Insurance, not just a guarantee but much more,
February 26th, 2010 Posted in General Insurance
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April 20th, 2010 at 12:52 pm
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April 25th, 2010 at 6:45 am
. term life insurance rates 3 Reasons to Consider Buying Term Life Insurance | Insurance
May 18th, 2010 at 6:27 pm
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June 4th, 2010 at 2:31 am
Family Floater vs. Individual Health Insurance by Medimanage.com:
June 11th, 2010 at 12:52 pm
best commercial I have seen in my entire life! EPIC!
June 24th, 2010 at 12:46 am
How did you get 18%?
July 2nd, 2010 at 7:22 am
Yea it is against the law for someone to receive life insurance benefits relating to an illegal activity.
June 19th, 2011 at 6:25 pm
Compare Term life insurance quotes online from top companies Also get whole life insurance quotes Cheap term life insurance quotes Term life insurance rates and Life insurance quotes
September 3rd, 2011 at 6:36 am
Many people seem to ask this question. The following is my answer to a similiar querie which I have cut and pasted:
There are two types of life insurance: Term and Permanent. Term is temporary insurance and permanent is Whole Life or Universal Life. Term Insurance is only for the period of time you're insured – 10 years, 20 years or 30 years. Whole Life and Universal Life are for your whole life.
The advantages of Term insurance is in your younger years you can get a large face amount for a very low cost. The disadvantages of Term insurance is when your term period is up and when need it most in your later years, the cost is extremely high and unaffordable. At that point the policyholder cancels the Term. Another disadvantage of Term insurance is the risk you may become uninsurable due to health issues such as diabetes, heart problems, cancer or a number of things that will cause an insurance company to decline renewing your policy.
The disadvantages of Whole Life or Universal Life insurance are the initial cost is higher than Term. The advantages of Whole or Universal Life are: the initial cost is fixed, it's permanent coverage whether you become uninsurable or not (as long as your premiums are paid), it builds cash that you can either withdraw or borrow, you don't pay taxes on the money taken out of the policy (as long as the policy stays in force), it's a forced savings you otherwise would not have put away for yourself. Another advantage is the fixed cost is far less than Term in the later years, the time when you need life insurance the most. The best time to purchase Whole or Universal Life is in the younger years.
Purchasing life insurance is a personal matter. No particular type of insurance fits all. Everyone has a different family situation requiring the proper financial plan.
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