Term Life Insurance-Term Life Insurance Rates

different drummer asked:


particularly mental health? It seems that if someone is on a depression or anxiety med, blood pressure or diabetes med even, they are skittish about insuring. One would insure, but they wanted over $100 a month. Isn’t there anything out there anyone has had luck with?

Kylie Marrapodi

Roman asked:


Hi;

I am an independent insurance agent in SC. I have a heavy client [6' 3", 400]. He falls outside the “build tables” of the life insurers I currently work with. He wants term.

Does anyone have any direct experience with a life insurer that will accept a client with this build?

Can anyone direct to me resources that might lead me to a life insurer that will accept a client with this build?

Thank you for taking a look at my question.

Roman

Una Guilmain

Craig’s Angel asked:


I asked my employer for a life insurance, but because I am single, with no dependants (I’m under 25 years old), they wouldn’t give it to me.

This is the thing…life is unpredictable and if something happened to me where I could not work for a few months (yes, I do have an emergency savings fund too) due to illness, or if I simply passed away, I want to cover all bases. My step brother died at 25 yrs old in 2007. He had an illness (kidney failure), but he never had a life insurance policy and my parents ended up paying for his funeral. I do have a partner in my life, but we are not ready for marriage as of now. I’m sure things will change if I should decide to have children. I just want to take care of myself and I don’t want to be a burden on parents, should anything happen to me.

So, why do they say to get “term” life and not “whole” life. Should I consider term life? What about disabiliity insurance? I bank with both a major bank and a credit union. I’m going to the credit union, because I’ll probably get a better deal. Thanks.

Stacia Escher

june asked:


I have already one life insurance who cover 75% from my mortgage, my company offer me long term disability, and some friends of mine advise me to do the critical illness insurance just in case if i would be sick and i cannot pay my mortgage.

Gennie Lanfear

bradys_mommy asked:


We are switching from Universal Life to Term and are going to surrender the policy, but the value is pretty high. Are we going to have to pay taxes on this?

Wendell Snyders

Jen asked:


Are people more afraid and purchase more insurance or less? Does it make them delay purchasing insurance? Life and Health insurance specifically. More specifically senior medical supplement policies, advantage plans, life insurance, long term care insurance, and annuities. I’m asking for myself. Is it a good time economically in the U.S. today to sell these products? General or specific information will be helpful. Thank you for your experience and thoughts.

Lauren

Sunny Weather asked:


If I died at age 35 and had a 12 year old to support, would my child still be getting money from my policy when they are in their 40’s?

I am having trouble understanding Whole vs Term Life.

George Cyran

cashan72 asked:


Term insurance vs permanent insurance, one is cheap but is pure insurance, you do not build cash value, the other is more expensive and builds cash value over time. One is betting you will die, the other is betting you will live.

Jeremiah Sagi

S J asked:


what is term ins ?
what is hole life ins ?

John

hollaitsmarc asked:


What are the benefits of term life insurance? I recently got a job & they offer various insurance options.

Ramonita Tataris