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Consumers using our service can typically save significantly on their term life insurance by comparing several different term life insurance quotes from different top carriers and by talking with different insurance agents. These are tough economic times, so saving money on your term life insurance is one of the fastest ways to put more money in your pocket.
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10 year term life insurance sold here every day!
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I’m newly married and think it may be wise to purchase life insurance for me and my husband because you never know what could happen. My brother unexpectedly passed away at 26 years old, and that has been a very eye-opening experience for me. I am 24 and my husband is 25 and we do not own a home and have no children. I have gotten advice that term insurance would be best for us. What term is sufficient? 20 years? 30 years? How much coverage? When we buy a home and start having a family is it easy to increase our coverage? Any advice you have is appreciated.
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My daughter’s father family does not acknowledge her even though they know of her and the father does not even talk to her. He also has two other kids. I told him I wanted to get a life insurance policy just for her on him in case something happens to him she doesn’t have to be without, I figure that’s the least he could do since he is in the arrears for child support. He wants a 250,000, and I told him no I want atleast a million because you have done nothing for her which she is 12. Should I get term or life.
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My hubs is self employed, I don’t work and we’re hoping to start a family very soon. We don’t know enough to make an educated choice right now. We want to get the most for our money and heard there is a life insurance/investment plan where you can get interest on your plan and then get money out later… I would love it if someone could break this all down for me. Thanks!
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And your term life insurance policy does not have an ability to convert to a permanent policy w/o going through underwriting (which now you will not qualify for coverage)?? And you die after your term policy is exhausted, will the person who gave you such advice now help your family??
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The benefits guy at work keeps telling me that I need to sign on to the company’s term life insurance plan. I’ve told him repeatedly that I don’t have a family, and I know of no one to whom I’d leave my possessions or money. However, he still insists that I need the coverage. For what reason would I need coverage under these circumstances?
Everyone is missing the point. If you’re dead, then why care if you have unpaid bills. You’re dead. Burying you or throwing you in a ditch will make little difference to you at that point. They can’t take from my family’s assets, because I have no family, and it’s not as if I’ll need my assets anymore after the fact. With this in-mind, now answer the question.
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I would REALLY appreciate anyone w/ life insurance (or stubborn husband) experience!!!
I am 38 and my husband is 49. My husband is the sole income provider of our family.
Since our first child’s birth, I have tried to discuss with him the importance of planning for our deaths. Our oldest son is 15, and he still refuses to have a Will drawn up. Also, he refuses to purchase term life insurance on us both in the proper amount according to our famincome.
He is normally a very thoughtful and extremely responsible person. I know his lack of planning is due to his inability to deal with his own mortality.
I have continued to express concerns re: our lack of planning for 15 years! I have approached it from every angle I can think of.
On my own, I have contacted insurers to get coverage for us both & pay from my own "rainy day fund". No one will write a life policy in any amount without 1st performing a physical.
How do I protect my family in this situation?
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I know it’s a horrible question, so I can do without the moral judgements.
My husband thinks that everything his family tells him is 100% truth. Without divulging any specifics, one of the current situations that causes angst between us is his mother’s claim to be broke, which his brother attests to. His brother who was given power of attorney to be and for his mother in the event she was ever unable to make decisions of any sort…medically and financially…A decision that was made and executed over 10 years ago without the courtesy of ever telling my husband.(we found the document included in some other forms given to us by my mother-in-law).
I explain that, as 1 of many examples of the secretive manner in which my husband has been excluded from important legal changes and an accurate understanding of his families estate.
My father-in-law who passed approximately 3 1/2 years ago was a veteran and prisonor of war in WW2 and to the best of my knowledge had a term life insurance policy that he had from the age 40 until his death at 80.
No mention was ever made to the policy and there have been recent claims that she is broke. He was laid to rest at Arlington, which incurred no cost to the family. In addition, during this same period in time she was the executor of a friends estate who had no living relatives and no will(a wealthy man) and sold a rental home for a considerable profit.
I would like to prove to my husband that her financial distress is invalid and find information regarding his fathers life insurance policy.
I’m not a bad person, I just want my husband to open his eyes!!!
Dear Spock- Thank you for your eloquent, concise and complete answer. It is true that his eyes aren’t going to be opened with ease, that is why I was looking for some proof documenting the impossibility of her claim. Any other avenues you know of that are public record that will somehow help in convincing him that he is in the dark regarding her financial standing? I’m all ears!
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If I sign up for term life insurance ,000 for 30 years, and I die in lets say 5-10 years would my family receive the ,000 or would they receive whatever I paid into the insurance?
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what type of health insurance would you reccomend? HMO PPO, other. what kind of rates do you pay? what would you consider reasonable for a man, woman, child family plan? (self employed, small business owner) what about life insurance? difference between term life, whole life, cash value policies, etc.
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1′m 40 years old, have a 7 month old baby, my family annual in come is ,000. thank you!
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We are in the process of getting life insurance quotes. Married, wife is 23 and husband is 27 (he is a pilot so has horrible rates). At first we thought we would want a 30 year term policy for 0k. When we met with an agent he gave us quotes for term and universal life. The premiums were about more a month (increased from 0 to 0 for the two of us) for the universal life policy. I would have never considered a permanent policy until receiving these numbers as from my research I thought we would get very low term rates and unaffordable permanent policy rates. 0/month is unaffordable so we are likely going to drop our amount of coverage to the minimum we’d need anyways. I don’t foresee us to need insurance after the 30 years is up, we would rather invest on our own, etc. Just looking at the cost per month and that after 30 years we’d be out the 0/month with nothing to show except peace of mind vs. after 30 years paying 0/month having a bunch of money guaranteed to us (another form of retirement savings although with high fees), would it be dumb to choose a term policy because of our weird rates? Which should we pick (I am still shopping around to make sure I can’t get a better deal on term but this is going through our family’s agent)? Thanks!
From the guaranteed projections for this 50% fixed 50% variable (based on S&P500) policy we would come out ahead vs. investing the /month difference on our own. Otherwise, I would never even consider this. I had always heard it was better to get term insurance. Thing is, our rates are so high as my husband is a pilot (otherwise it would be under /month and term would be a better deal). The goal is to protect the surviving spouse against our debts for the next 30 years while we expect to have debts (or our parents if both of us die). Are there any other types of permanent insurance that we should look at instead that may still make more financial sense than universal? I am also getting more quotes to see if this term quote was high. Also, this rate is subject to decrease after they evaluate the questionnaire my husband answered about his flying (the agent assumed he would get the same rating as his other clients who are pilots). We have separate retirement savings.
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My aunt isnt really in a vegetative state. She is aware of her surroundings and can tell when family comes in. However, she’s had 6 or 7 strokes which have left her unable to move or talk. I am wondering if she is still eligible for term life insurance – which would cover the funeral costs when she passes.
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My husband is a smoker and is 51 years old. He is not in the best of health as he is overweight and smokes. Other then that, no other medical problems. I am terminally ill so I can’t get any life insurance but we are raising 3 small grandchildren and we want to make sure that there is something for them to live on in case he dies in the next 10-15 years. We think that term life is the way to go but we don’t know much about life insurance and really would like some information. We don’t have a lot of money so that payment every month needs to be as low as possible and he would prefer to avoid a health check up if possible.
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What insurance should I get? I’m in my late 20’s and I’d like to make sure that if anything were to happen to me that my husband and son are left with enough to continue to stay on their feet. The 30 year term is affordable, but the life expectancy of my great grandparents, grandparents and parents, across the board is at least over 65. I’m as healthy as an ox now, but I know that diabetes, high blood pressure and high cholesterol run in my family. I’m very active so I have no signs of any disease related to heart disease. It’s a fear that I’ve had since I was a kid and it’s the main reason why I stay active. That being said, what should I get? I already have 2 cars and condo insurances through State Farm so I’d get something like 17% off my car insurance. I’m struggling to figure out which policy to choose. I need some insight.
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What insurance should I get? I’m in my late 20’s and I’d like to make sure that if anything were to happen to me that my husband and son are left with enough to continue to stay on their feet. The 30 year term is affordable, but the life expectancy of my great grandparents, grandparents and parents, across the board is at least over 65. I’m as healthy as an ox now, but I know that diabetes, high blood pressure and high cholesterol run in my family. I’m very active so I have no signs of any disease related to heart disease. It’s a fear that I’ve had since I was a kid and it’s the main reason why I stay active. That being said, what should I get? I already have 2 cars and condo insurances through State Farm so I’d get something like 17% off my car insurance. I’m struggling to figure out which policy to choose. I need some insight.
I bought a 30 year when I was about 20 or 21, and I want to buy another policy.
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Me and my husband just had a post nuptial agreement. My agreement is everything that he bought life insurance before and after our marriage either accident, term or family plan insurance for me that he is the beneficiary will be voided effective that date and in the future.
My question is they say some life insurance company depend on State where you at can supersede or override the post nuptial. So if that’s the case the post nuptial that we agreed upon is nothing will be a waste. And if my husband bought insurance like family plan life/accident insurance again without my knowing he can still collect and claim his money if something happen to me. How true is that? Which is more powerful life insurance policy law or post nuptial agreement law. I’m from Michigan
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If we are a young family of 3, with one child (1 years old) and we both are 29 years old, which is the best option for Life Insurance to purchase for myself (mom) as my employer doesn’t offer this benefit to its employees – Term, or Permanent? Don’t know if this makes a difference, but we make a decent income, but we are on a strict budget, have been trying to get things paid off over last few years and I think in another year or two we should be in much better financial situation…
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Ok I have been reading and reading on insurance for weeks now and still not sure which coverage is best for us. We are in out mid 20’s with a little boy. We are wanting to buy life insurance due to having a child, just in case anything was ever to happen. We cant figure out if Whole or Term insurance is the best choice for our age. I like to idea of the whole life due to it building cash value over a long term period and after 20 years or so of paying it would be nice to borrow money if need for our son’s college or a emergency, and we currently have a gerber college fund for our son. The only thing that scares me of the whole life is the fee’s and ect… Term I understand is for a certain time 20, 30 years then it expires. I dont like the idea of paying insurance for 30 years and having not cash value. Our debt is very low so there would not be tons to pay off or be concerned if something happened. Im more worried about just making sure my child will be ok if something happened. Thanks any advice would be great!!! P.S please dont advise me to speak with a insurance agent they are just got for money and whichever plan I talk to them about is the best choice..
