term life insurance question.?

i just called select quote and got a quote for a fixed 30 year insurance plan for 500,000 at $38/month. do you all think that’s a good rate? they don’t charge me anything if i choose to discontinue the insurance. i wanted to get some feedback from you all. i was interested in it bc i just had my son and wanted it "just in case." in your experience is the deal i got good? i calculated it and if i paid 38 dollars/month for 30 years and nothing happened to me it would be over 13,000 down the drain. but i guess that’s the purpose of insurance. please let me know your thoughts.

and, i got the quote over the phone and may have lied about my weight, etc. the rep told me later in the convo that a nurse practitioner will be coming by my house to take a physical and will want my doctor’s info to get my medical records. what are your experiences with that?

You are to be commended for thinking “the unthinkable” and for not putting it off. Now you need to find the best rate. One way to compare rates is to contact an insurance broker. A broker works with several companies and can find the best deal for you. There is no charge for the service and no obligation to buy. To find a broker in your area, log on to a website like http://www.lifeinsurancewiz.com and fill out a form requesting a free quote. Your information will be sent to a broker in your area who will contact you.

You are right about term insurance–the premiums you pay are gone when the term is up. If you die after 30 years plus 1 day, your policy will pay nothing. You might consider whole life insurance. It covers you until you die (thus the name) and builds cash value over the years. It is much more expensive than term life insurance, but it covers a longer period and is certain to pay out a death benefit. The cash value can be used to pay the premiums later in life, to keep the policy in force. You can also borrow against the cash value.

Some experts say to invest the money you would save with term life insurance, putting it into something that with a bigger return than whole life offers. This is sound in theory, but would you really do that? If so, do you have the expertise to pick an investment that will outperform a whole life policy? Ask your broker or agent about both options.

Instant Whole Life Insurance Quote Question:?

What are some cool instant whole life insurance quote sites you have to share? I’ve looked around a bit but I figured I’d ask here. Any link you can share will be appreciated.

Best way to find affordable life insurance is to get a free quote. I was searching like you, and found you can get no obligation quotes online, and get the best rates without the hassle. The site below is where I found mine:

No Medical Exam Term Life Insurance Explained

In view of  no medical exam term life insurance? Life Insurance might too be a form  of savings, with the purpose of  the selection of contributing commonly. Additionally, a slight branded point of life insurance is with the purpose of it might be united with a folks pension set up. An human being can generate offerings to a pension that will be funded by a life insurance company. These are branded as private pension arrangements.

Tons of  family think about if they really need life coverage. Life insurance is a relationship amid an insurer and an insured participating in whbe supposed toe iobtainrer promises to remuneration the beneficiaries of the insured in the risk of his departure rendering with the purpose of the certificate possessor pays a large amount of premiums over a period. Term life insurance is the most simple type of life insurance. This line of insurance will dedicate protection coverage for a resolute tenure – a actual amount of years affirmed in the contractessentialn point of factsp Need Life Insurance? If there are people who would fall advertisingncial problematical times if you must kick the bucket, at that time the answer is of course… You need life insurance! A lineage with juvenile children assert a understandable demand designed for life insurance.

Ahead of you kick off your shopping you must know that no medical exam life insurance policies aren’t designed for all persons. As soon as you observe a website to contract life insurance quotes, you’ll engage in to answer a a small number of key questions. You’ll be asked individual information like your height,weight,gender and age.

Whilst you get hold of no medical exam term  life insurance you’ll be asked just about your health check history, and many times in relation to the medical history of your relatives. This “online application” will assist the life insurance agents gauge if you’re eligible on behalf of a no medical exam life insurance policy. Straightforwardly put, you need to be youthful and in tremendous vigor to qualify for no medical exam life insurance.

Nearly all no medical exam term life insurance quotes are unbound, so you must acquire as many or as not many as you hope for and compare the rates to take the course of action that unsurpassed suits your dream. However, if you progress to a situate like 10minutetermlife.Com you will save time cause you can acquire quotes from all the top no exam life insurance companies at once. After you’ve found  the most excellent no exam life insurance policy intended for you, you can apply online.

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Do you think I will be approved for Social Sec. Mental Disability?

I have applied for disability (last Oct) and now have a mental exam on Monday. I am very nervous. My husband took his life 2 yrs ago and cut our 15 yr old dog’s throat. He later died. I am still working very limited hrs for health care insurance. My short term memory is horrible, I live like a hermit and can’t sleep… My quality of life is ruined. I am 58 yrs old and was married to my husband for 32 yrs. I have so much documentation from psychologists, MD’S, etc. I can’t believe I have to go thru an exam… Any info would be appreciated.

What a terrible story. I’m so sorry that happened to you, and I completely understand how you could have become so deeply depressed. Have you been going through treatment (therapy, antidepressants, etc.)? Have you ever been hospitalized?

If you have a consistent and documented record of seeking treatment, then your chances are considerably better, but I have to be honest with you: if you’ve never been hospitalized, then it can sometimes be difficult to get disability payments for a mental condition. The burden of proof lies so heavily on you in such situations, because as I’m sure you can understand, it’s hard for anyone to "disprove" depression. It’s such an internal illness, which makes it hard for them to weed out people just trying to game the system. That’s the reason they’re making you go through that exam. They just want to make sure that you’re really in a bad way.

However, if, as you say, you have a lot of documentation, then your chances are much, much better. If your claim should be denied, though, then you might look into finding a lawyer to help you file a claim again. Sometimes it takes a professional to know how to assemble all of the documentation in a way that makes sense to the beaurocrats.

I can’t offer any more information than that, I’m afraid, but I do wish you the best of luck.

ETA: Hey, how did the exam go today?

27, single, no kids, great health, should i get term life insurance?

I spoke to an agent and he recommended life insurance (since in the future I plan on having a family, kids husband). Term insurance for 10 20 or 30 years is pretty cheap ranging from 10-16 bucks a month for me, whole life is A LOT more. I understand the rate for whole life will just keep going up as i get older, but he said it would make sense for me to get term just so I can take the medical test and in the future 10 years (or before the term life insurance expires) I decide to get a whole life policy with the same company (met life) they would still quote me a premium at the health I had when I got my term policy (in case my health were to worsen)….

Am i Making sense..
So basically he sa

Yes, but get life insurance long enough where you have no more debts, no one dependent on your income, and have time to save for retirement.

Base on situation, I recommend getting a 30 year term insurance that is guarantee renewable and is convertible into another term insurance. You don’t want whole life insurance at any point in your life because that is expensive and a waste of money.

You can learn more about whole life insurance here: http://finance1o1.blogspot.com/2008/08/whole-life-insurance.html

While you have term insurance, you should consider investing your money in a Roth IRA. While the market is doing poorly now, it is the best time to invest since the price per shares are very low. That means you can own more shares for your money. While you can’t predict how the market will perform in the future, history has shown that the market has always rebound. The best way to offset your volatility to market fluctuations is by investing using Dollar Cost Averaging http://finance1o1.blogspot.com/2007/03/investing-tip-dollar-cost-averaging.html

Best Free Life Insurance Quotes Site?

I was wondering if anyone would be able to tell me what is the best free life insurance quotes / rates site online?

The simpler it is and the faster it is to get information from, the better. Thanks.

http://collegeproxy.cn/health-insurance.html

http://collegeproxy.cn/health-insurance.html

http://collegeproxy.cn/health-insurance.html

Online quoting for life insurance is generally a bad idea, unless you have an excess of knowledge about the products being offered, the pros and cons of each, and what your actual need is.

I would start calling local sales reps and trying to schedule something called a needs analysis to help you determine the best product and the best amount of coverage for your need and financial situation.

How flexible are life insurance quotes. Can I negotiate with company for a better rate.?

I got a quote for my wife and me for life insurance (20 years/400K each). I would like to negotiate a better rate with the broker (assuming same coverage).Can it be done, or are the rates fixed, is there room to negotiate. we did the blood work and were offered standard rates.

Your rate can not be negotiated when the underwriting is done. If you don’t like your rate, you can refuse to accept the policy within 30 days and there will be a refund of premiums.

What you can negotiate is going through different companies. Shop around. Make sure you check the financial strength ratings from AM Best!

Life Insurance Rate Quote

Prior to an  instant life insurance quote, you should first understand what life insurance is. Life Insurance can also be a type of savings in the long run if you buy a policy, which extends the option of contributing regularly. Additionally, a little known purpose of life insurance is that it can be united with a person’s pension plan. A person can make contributions to a pension that is funded by a life insurance company. These are regarded as private pension arrangements.

This typically is pure risk insurance because it does not gather the cash value of the premiums being paid and that the insurer pays only in the event that the insured person dies within the specified term of coverage. This type of insurance was designed to provide short-term life insurance coverage for people that have limited budgets. Premiums of this insurance are generally lower than whole life insurance premiums because both parties – the insured and the insurer, agree that there is no certainty that the insured’s death will occur within the term of coverage specified in the indenture.

An instant life insurance quote you will give you results for term life insurance vs whole life. Whole life insurance provides coverage from the purchase of the policy till the insured passes away, but the price is much higher for this coverage the rates for whole insurance are much higher than most people seeking life insurance would like to pay unless they are certain they are going to need it. But the convenience of not having to extend coverage is a selling point for many.

If you are in the market for life insurance, you may be pondering on the benefits of term life insurance vs whole life insurance. Both types have their own good and bad points, but what it comes down to is how long you want the coverage for and how much you are willing to spend on premiums per month. Term insurance is just as the name suggests: life insurance for a specific term.

After getting your instant life insurance quote, you will see why many choose term. Term life insurance is ideally bought for the intention of covering debts, business insurance, or check replacements to guarantee that the beneficiaries of the insured will still be guaranteed with financial resources upon the deceasing of the insured individual. This is also bought to secure the needs that will be spent even before the insured’s death.

Term life insurance is a dandy way to protect your family or business during the time when they are most vulnerable. Having term life insurance will yield you a sensation of serenity that you have taken steps to protect your loved ones. The best part is term life insurance is very low-cost for most people.

An Instant life insurance quote can be easily obtained online. Life insurance quotes online are estimates of the rates you will pay on life insurance policies from various insurers. Our quotes can be received entirely online from the peace of your own home. Life insurance quotes detail the exact structure of the coverage including how the coverage works and what costs are contained in it.

As with any purchase, the best way to get affordable term life insurance is to compare term life insurance rates. Many companies sell term life insurance. Each one prices their term life policies differently. By comparing their term life insurance rates, you will find the most affordable price.

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