Insurance FAQ
 

How Important Is It To Get The Best Rates Term Life Insurance Company?

Question by BaseballFan4Ever | Posted in Insurance

I am looking at these options:
http://www.zanderins.com/term/instantquo te.aspx

Is there really a huge difference from top to bottom? Can I go with the more affordable option?

Answer: Price is a major factor in absence of value. I will not speak of online quote sites because they are only good for comparing similar policies on price alone, not features.

Insurance Pickle is right about one thing on Primerica policies, they do not have a Convertible clause. They instead of Exchange provisions. Primerica policies, although not the cheapest, is still pretty cheap comparably.

The Exchange provision is a good one, instead of converting to a cash value policy that is probably 2-10 times more than current policy premiums, it automatically exchanges to another level term product based on age alone. If you get seriously ill, it's not an issue.
 
 

Where Can I Find Affordable Life Insurance For Sr Citizen In-laws?

Question by arklatexrat | Posted in Insurance

I read a previous thread suggesting MediCare, but I am not talking about HEALTH insurance. They only have term life insurance tied to current job, and they need to retire. They have no burial policy, and each is worried about leaving the other with burial expenses and debts. I have seen a few ads online, but when you get to the fine print, they seem mostly like scams. They probably wouldn't get a very good rating if a health exam were required. Probably $15 -$25K max would be the amount needed.

Answer: I just went through the same thing with my brother. He had recently been diagnosed with cancer. I posted here and got some great responses. The company that helped us was located at http://www.lvhealthins.com Because of my brother's condition there is a two year waiting period before full benefit will be payable but it is with a great company and the people there at Insurance advisors were great to work with. They listened to our problem and were also able to help me with Health Insurance. It works out well that you are from Texas. They are based in Texas and Nevada. Good Luck

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Do We Need To Deregulate The Health Insurance Industry?

Question by Obama - Wimp in the White House | Posted in Politics

Insurance companies are one of the most regulated industries on the planet. Instead of putting in place a Universal Healthcare System, should we model health insurance around the life insurance model in place today?

If we deregulate the insurance industry and allowed competition across state lines, it would be affordable.

You can have whole health that grows in value until you need it like whole life. You buy it young to get the cheap rates. You have term health

Answer: We need to deregulate all the markets. Government regulations are bad, period. That's what pushing business out of the country. No business, no jobs, unemployment, social support, your taxes go high. The market can handle by itself.
We don't need the protection of the government, we can buy by ourselves and if things go wrong, we learn and move on.

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Where Can I Find Affordable Life Insurance For Sr Citizen In-laws?

Question by marivel ring | Posted in Insurance

I read a previous thread suggesting MediCare, but I am not talking about HEALTH insurance. They only have term life insurance tied to current job, and they need to retire. They have no burial policy, and each is worried about leaving the other with burial expenses and debts. I have seen a few ads online, but when you get to the fine print, they seem mostly like scams. They probably wouldn't get a very good rating if a health exam were required. Probably $15 -$25K max would be the amount needed. They

Answer: American General (AIG) Has the most competitive senior rates You can use this site to compare with other insures rates
http://free-best-life-insures-comparator -usa.blogspot.com/

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Buying Cheap Term Life Insurance Policies Ensures You A Desired ...

by Harold Anastasian

Selecting a policy just because they are available at cheap rates is not a wise thing to do.        .  . If you are able to afford some more funds then you should definitely think twice before buying cheap term life insurance policies. The cheap rates of the cheap term life insurance policies cannot be denied and because of this these policies are within the reach of everyone. The purpose of discussion made above is not to discourage an individual to avoid cheap term life insurance policies. They are policies like many other insurance options with a difference of having least benefit levels unlike those policies for which you pay higher premiums. s own life or take a wrong decision about yourself and the wellbeing of your family. But one should never go for the policy without understanding the features that the policy offers....

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