Term Life Insurance-Term Life Insurance Rates

toddxi11 asked:


Is it a good investment? What are the pluses and minuses vs. Term insurance?

Chris

strawberry asked:


For example will if my husband has a 20yr. term life insurance policy (worth 300,000) and he dies before the 20yrs. will the company pay me the beneficiary all of that 300 thousand at one time? or do they pay it out monthly/yearly?

Jacquelyn Piker

Wibble asked:


I am married and in my thirties my wife is the same age. We have an 18 month child and another baby on the way. After doing some research between Whole Life and Term Insurance I decided that Term Insurance should be able to fulfill my needs incase something should happen. My question is:
1) Am I making the right decision in going with Term?
2) How much coverage should I buy
3) How many years should I buy
4) Can anyone recommend a reputable Insurance Company
Thanks!

Dwain Arbon

toogood2u03 asked:


I am recently out of the military and need to purchase an individual health ins policy. However, I am not sure which ones are the best. I am a student, do they offer any good student policies? Also, is the SGLI to VGLI conversion a good change to make? If not, which is better term or whole life insurance policies?

Allison Rogers

Amanda b asked:


To get a free quote for Term Life Insurance, what is the last field you need to enter?

Darwin Kacerski

Jay R asked:


I have read from many different sources that term insurance is the best way to go, and just invest in mutual funds. But, I personally know a few people who own cash value policies. They have something called “equity indexed” life insurance (not variable life insurance) and seem to be pretty happy with it. Does anyone know anything about or have any experience with this kind of insurance? I’m considering going with something like that because I was told it’s basically term insurance with a savings component where you earn interest based on the upward movement of the S&P 500, but you’re not actually investing in the market so there’s supposed to be no downside risk.

Anyone? Thanks.

Cris Engen

thisischintu asked:


I am 28 years old/non smoker/good health/no existing health conditions. I am looking into get a life insurance policy. I am more inclined to get a term life insurance, but I heard about this ROP(return of premium)., do any of you have any advice regarding this kind of policy. Also which companies/website you recommend to get a life ins. policy. thanks in advance

Toby

Alice Z asked:


Agents are always extremely keen about selling my family whole life insurance instead of term. According to the agents, whole life is preferable to term since it does not expire and as a result the beneficiary is guaranteed some payment upon the death of the insured. However, why would the insurance company profit from such a setup if they are bound to pay back an amount that is at least equal to the total amount paid?

I have tried to do some research on my own, but I still can’t seem to fully understand this matter. Any help will be greatly appreciated!

Tora Portnoff

asked:


term life insurance and permanent insurance which is good and what are the pros and cons?

Shena Thwaites

200m asked:


I am looking into getting term insurance now that I am 33 good health and now have a baby to worry about. I have considered AIG, AXA, and New York Life. Can any customer from New York Life commetn on their experiences with them. God forbid something happen I do not want insurance company giving spouse a hard time collecting premium. Furthermore can anyone provide CURRENT S&P credit rating? It peeves me that everone like to stick credit rating paperwork from a few years ago in their **** packet. Uhhh hello? the world has changed a bit over last year. Thanks!

Theodore Biorkman