Term Life Insurance-Term Life Insurance Rates

mel j asked:


im looking for a basic term 20 year life insurance. less than $20 a month for maybe $350,000.00 Also what are good life insurance companies, I heard metlife is well known, any others but more important I want to know if i have to come up with a huge downpayment or just start paying the monthy.

Sara

lashanda asked:


How do I find figures and quotes for a Life Insurance Company such as New York Life?

We have to look up a life insurance company for econ class and list its quotes and figures for certain ages and term and whole life policies. Yet I have no clue where to find this.

Kayleigh Lane

llckll asked:


Hi,

I am paying $97.21/month for a ROP (Return on Premium) term life insurance policy of $750K for 30 years with State Farm. So at the end of my 30 years, I will be getting back $34,995.60 ($97.21 x 360).

Do you think this is a good quote for the term and price?
But I would still have to pay 25% tax rate which comes out to $40,000 which is still greater than $35,000.
Because I was thinking of investing the difference in Mutual Funds. I’m already maxing out my Roth IRA.

Carole Buczynski

wvenzke asked:


i WANT TO KNOW WHAT THE BEST LIFE INS FOR ME I AM A 29 YR OLD MALE THATS ON UNEMPLOYMENT AND DOESNT HAVE LIFE INS THRU WORK ANY MORE

Guy Connet

Drow San asked:


My wife and I are in our 40′s and 50′s. We have created A/B trusts and transferred our assets to them, and expect to have estates that will benefit from the estate tax saving these trusts afford.

We recently both purchased $1M 10-year renewable term life insurance policies that we expect to keep for 10 years. We chose not to use life insurance trusts because the purpose of the policies is to replace the lost income of the deceased spouse if one of us dies relatively soon, not to increase our final estate, and the trusts are somewhat costly. We each specified our own trusts as the beneficiaries, because we want the disposition of assets specified there to be used for this money. The trusts provide for the income, and principle if needed, to be paid to the spouse, and for the remainder to be paid to our child at the remaining spouses death.

The question of ownership of the policies is less clear. My lawyer says that it doesn’t make much difference who owns them, because the value (estate) taxed is only one year’s premium, not the $1M. My accountant says that the $1M is taxed, and that each policy should be owned by the other spouse to avoid tax on that amount. A friend said that there’s no way to avoid or significantly decrease the tax, so just leave the ownership as is (each spouse owns their own policy). A further fly in the ointment is that the insurance company (Massachusetts SBLI) makes some forms of trust ownership more difficult and costly.

I’m confused. What ownership is the best? What is the benefit of that choice?

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Warren Leclare

tess asked:


Which life insurance company is the best in setting claims? I want to buy a term life insurance for 25 yrs. I am 35 now. Please suggest good plan and life insurance company. Is there any database where we get more information of claim record.

Jessica

uep asked:


I am going to start a business. And , I have 11 employees . I would like to get short term disability insurance plan and long term term disability insurance plan for my employees, and life insurance too . How much much money money do I have to pay for this?

Rex Zwolak

Patricia E asked:


what is the difference between whole life insurance, modified life insurance and term life?

Joel

simpleheart asked:


I am just looking to cover “final expenses”
Maybe $5,000.
Thanks

Chieko Lofaro

jennifer asked:


My friend has a term life insurance policy that is less than 2 years old. She entered the hospital recently for a newly diagnosed bipolar disorder and had admitted to thoughts of *******. Within 2 months of her stay and diagnosis, her term life insurance policy was canceled by the insurance company for reasons of risk. Can they legally do this? I read the policy, but am unclear whether they have the right to do this. Thanks.

Marlo Charnoski