Term Life Insurance-Term Life Insurance Rates

della Villanueva asked:


Does anyone know of a good life Insurance Company without medical exams, and one that will allow you to get back all your paid premiums at the end of the term, if there is such a thing like that? Also one that want drop you when your term comes to close just because you got very sick 10, 15, 20 years later.

Milford Buda

pumky_2001 asked:


I have life insurance and went to update my insurance today. In 2003 I became disabled and did not know about the disability clause. Where I don’t have to pay the premiums anymore. Can I change my term life to whole life? Will I get back pay from 2003? I want to know this before my agent calls me next week with the answers. Please don’t try and sell me insurance for as I won’t qualify anyways just the answers please.

Steve Jobs

Tony lim asked:


I’m 27 years old and qualify as super-preferred non-nicotine. What is a good price for a 30 year term life insurance at $1 million dollars?

What company do you recommend?

Thanks!

Audry Fulton

ERIK asked:


I know the amount can very significantly but I am just want to know what the average commission is. I’ve heard anywhere from $600 to $1000. But not if one is Term or whole life.

Billy Cotsis

Whipper asked:


As of last year the company I work for started making the employees pay for part of the life insurance. We have our Choice of taking the company’s insurance or not, I don’t take it because I have other insurance outside the shop. In return they take money out of my check for life insurance, AD&D, and short term disability Why should I have to pay anything?
Yes, but I have had life insurance for many years outside the shop. Why should I pay for theirs if I don’t want it?

Broderick Lavadie

Mel asked:


My father is 60, smoker and taking Zocor. Normal weight. The quotes I have seen for a 10 yr term for $150,000 are $180 a month. Does that seem right? Anyone know a cheaper one? Basically I inherit the house while my relative gets the cash, so it’s all fair. I would make the payments and leave my relative as the beneficiary. Thanks
the reason I have to get the life ins is because he is leaving me the swanky $400K California home. Meanwhile I have to give my sister $150K in cash to make it even (per my father). Since I don’t have that kind of cash (I’m 35) I need life ins now in case he passes away this decade. My father wants me to take out a 2nd mtg upon his death, but I told him that would add $700 monthly to the existing mortgage payment for 30 years (I pay that too) so I’d rather pay $200 for 15 years now. Oh and he’s on board. He knows I would have to sell the house to pay off my sister, so this is the only way to have the cash. All good answers! I will probably get a 15 year term and worry about what I’ll do if he lives to be 75.
in the history of may family 1 male lived past 70. that’s why I think if I insure him till 75 I’l be fine. The L.A. house is worth $400K but we owe $80K. I’ll have no problem paying the mtg and bills, since I do it now. However if he died tomorrow, and I owed my sis $150K, I’d be screwed and have to sell. All the answers are taking into account that he’ll live past 75 and I should save the money instead, but I’m worried about him getting by a bus tomorrow and me having to sell the house. I don;t want the cash, I want to keep the house. I graduated high school from that house

Brian Zeilinger

ChildLessLonely asked:


anyone know?

Luciano Pawlak

sincity usa asked:


Ok this is going to be a bit of a long question so if you don’t like long questions then please by all means move on. So ok here i go, my MoM died on 5-07-10 at a hospital here in Las Vegas. She had a term life insurance policy worth $25,000 through AARP underwritten by New York life. She had just gotten it a few months back for me. When she filled out the form it only had 3 health questions #1 in the last 2 years have you been told you had a life threatening illness. #2 have you been in a hospital in the last 2 years. #3 have you had any medical test in the last 3 months. She answered honestly in the no. They never asked any follow up questions at all. Now when she died, unknown to me she died of a bleed in her G.I track with chrrossis of the liver and hepatitis c as an underlying cause. Now my question is if they deny my claim do i have a case to sue?
P.S if the poster is right then why would they send me a claim form and ask for her death certificate. Would it not be more simple to just tell me they will not pay unless it was in force for 2 years.

Tish Bodo

JNT asked:


I just recently got married and was wondering if my husband and I should invest in life insurance together or term insurance. We dont have kids and dont plan on it for a few years. Also is it true that whatever debt he was in (student loans) before we were married would be my responsibilty now that we are married if he should pass?

Jonah Stuck

christianboy_83 asked:


1.) How does a life insurance agent get paid on commission if I buy a whole life policy and I pay that set amount until I die. I mean it never renews because it is a done deal as long as I continue making the payments.

2.) How much more commission does a life insurance agent make when he sells whole life versus term life?
Thanks mbrcatz!

Brice Murry