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CONSIDER THIS One universally accepted rule of thumb goes like this: A young married couple with children should have insurance equal to five times their family income, plus the amount of the mortgage. They should also buy additional coverage for increased inflation. If both spouses work, coverage should be divided in proportion to their incomes. A more realistic approach when examining your family's future security, is to ensure you have enough capital to provide adequately for your family should you not be able to provide for them. However, many shrug even this basic question off. [learn more]
TERM INSURANCE Generally, term insurance provides maximum coverage for the lowest initial cost because it pays a benefit only if you die during the term of the policy. Insurance plays a vital role in proper financial planning. People who buy it may do so for several reasons such as:
.
They have a temporary need which lends itself to a temporary solution, i.e., raising children, education, paying off a mortgage, a business buy/sell agreement.
.
They have a permanent need for protection (such as liquidity for the purpose of paying estate taxes), but since term is initially less expensive, it fits better into their current budget. These people might purchase a plan with the intention of converting to permanent protection at a later date. [learn more]
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Term Life Insurance
QuoteTermLife, Inc. - P.O. Box 871106
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Net Quote Life Insurance (term
life insurance & whole life insurance quotes)
Since
1989, Net Quotes free service has been working closely with Brokers,
Captive Agents, and Direct Writers to help identify those
consumers they can offer the best rates.
Net Quote matches you to companies with
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Nationwide
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insurance provides a FREE consumer referral service. Nationwide
has been helping people find the most competitive Life
insurance rates available Since 1993.
Complete one quick
easy online quote form and your information will go through a network
of thousands of participating life insurance agents and companies
across the United States.
Nationwide instantly
matches your profile to the best five life
insurance
companies for you.
Receive most of your quotes within minutes!
Life Insurance Central Quote
(term
life insurance & whole life insurance quotes)
Nationwide
insurance provides a FREE consumer referral service. Nationwide
has been helping people find the most competitive Life
insurance rates available Since 1993.
Complete one quick
easy online quote form and your information will go through a network
of thousands of participating life insurance agents and companies
across the United States.
Nationwide instantly
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Receive most of your quotes within minutes!
My
Family Protection Life Insurance Quote (term
life insurance & whole life insurance quotes)
Globe Life
and Accident Insurance Company offers a wide range of insurance options to
give people all across the country the right protection at the right
price. My
Family Protection is
proud to offer the insurance products of Globe Life And Accident Insurance
Company. Globe currently has over $26 billion of
insurance in force and over $987 million in assets. With
over 2.5 million policies in force, Globe Life is
committed to providing every policyholder with a lifetime of superior
service.
Digital
Term Life Insurance Quote
Digital life
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AIG
American Life of
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Banner Life
First
Penn-Pacific Life
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Zurich Kemper
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Note: The rates quoted above are for term life insurance only.
SOME IMPORTANT REASONS TO PURCHASE LIFE INSURANCE
The basis of insurance is the "risk of loss." In the case of life insurance, primarily the risk is the loss of earning power caused by the premature death of a family income earner. Disability during the client's earning years and a lack of money in old age, too, are risks. The financial consequences of a premature death can be devastating - and life insurance guarantees that money will be available, whenever the need arises.
Many healthy people - especially young people - postpone buying life insurance; they expect to live to a ripe old age. Then there are those who think they may not live a long life, or expect to be employed in hazardous work; they may be inclined to apply for large amounts of life insurance, because they expect that their beneficiaries may be able to collect on the policy soon!
No one expects to be able to buy fire insurance while watching their house burn. Likewise, if life insurers sold their product to the seriously sick, or other high risk people without carefully assessing the risk, the costs of their products would be prohibitive.
Depending upon individual circumstances, typically there are up to six financial needs that can be satisfied with the use of life insurance. These needs are disclosed through fact-finding interviews that the agent conducts with prospective clients. Known as "total needs planning," this process differs from "single need sales" , and from "estate planning" and "financial planning" approaches.
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The following life insurance companies head up our
Top 10: Americom Life Insurance Company, Banner Life Insurance Company,
First Penn-Pacific Life Insurance Company, Valley Forge Life Insurance Company,
West Coast Life Insurance Company.
We use a third party database of 150 life insurance companies to rank
in terms of lowest term life insurance rates.
Term life insurance rates have been dropping steadily in response to increased competition.
Term life insurance is a commodity, and improved access to insurance information, such as
at this Web site, are making it even more so. Whether to use life insurance as an
investment is a separate decision; but for just pure life insurance, which is term
insurance, why should you pay more than you have to?
This Web site also offers you the
opportunity to obtain life quotes from independent life insurance agents. These life insurance
agents use the same third party database to ensure that they have all the lowest life
insurance rates from over 150 life companies; they don't work for just one life
insurance company. They recognize that term life insurance is a commodity, and they work
to get the best rate for the consumer.
About Life
Insurance
Paying for life
insurance is painful, but few can do without it. The key is to buy life
insurance only for losses, such as your income, that you or your
family can not replace. Avoid narrowly defined life insurance
policies that only cover specific loss of life, such as
accidents, plane crashes or cancer. You're better off with
insurance for any loss of life for a small increase in premium.
Don't skimp on life insurance.
But remember that people with no dependents may not need life
insurance at all. To estimate the amount of a life insurance
policy, estimate your dependent's living expenses if your
income is no longer available. Most life insurance consultants
estimate five to ten times your annual income. You can
try this calculator for a quick estimate, or consult with your
financial advisor.
Term Versus
Whole Life Insurance
Term insurance , also
called temporary insurance, covers a person against death for a
limited time, the term. For example, the term might be until
children are grown, or until college is paid for, or until
retirement. You pay for the coverage period and at the end of the
term the contract, or policy, expires. If no claims are made
against the policy during the term, you don't receive any
benefits after the policy expires, just like auto or homeowners
insurance.
Whole Life insurance ,
also called permanent insurance, is permanent and does not expire
(assuming you continue to pay the premiums). It provides coverage
similar to term insurance, but it also provides an investment
vehicle. A portion of the premium goes toward insuring your life
while the other goes toward an investment account. This
investment account can be either an interest bearing account or a
stocks and bonds investment account.
Which is better (our
opinion)? Young families with large financial obligations are
usually better off with term life insurance. The substantially
lower premiums enable them to purchase sufficient coverage to
protect against loss of income. Any discretionary investment
funds can be placed in other vehicles (mutual funds, money market
accounts, etc.) that are likely to generate returns similar to or
better than life insurance contracts. Cash value insurance is
sometimes purchased by people for tax and estate planning
purposes. You should consult with your financial advisor.
Choosing an
Agent
Almost all life
insurance companies sell their products through agents, rather
than directly to the public. Some companies use
"captive" agents, who can only represent one company.
Most of the competitive term insurance providers (such as those
featured at this site) use independent agents, who are free to
represent several companies. These agents can help you
select from a variety of products and companies to tailor a plan.
The premium rate is set by the company, and it cannot be changed
by the agent. The price you pay for a given product will be the
same no matter where you buy it. "Price shopping" for
an agent will provide little benefit, assuming that you have the
basic product and pricing information to know what to ask for.
_________________________
Life Insurance
So, do some product research first, using a service
like BudgetLife, and then select a life insurance agent based on criteria such
as trust, experience, and access to a wide selection of products
and tools. Your goal should be to find, and then stick with, an
agent who can help you put together the best possible protection
plan for your specific needs.
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