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Tips and Tricks on how to choose life insurance
Step 1: Avoid getting stuck too long spending too much time on life insurance quotes.
Be careful not to be tempted by the game offering a cheap price, sometimes all the offers are useless, not too much benefit for you. Just a few statistics just a few people who sign up really get a good service and attractive prices.
Sometimes the premium you pay does not match what is on offer from the beginning you get. I often get people hooked on by the sweet promises of agents who degrade the insurance companies to each other.
Most life insurance companies have 10-20 different health/price ratings and no agent or website can assure you the quote they give you is accurate. You have to apply, do a health check, and then go through underwriting (meaning you complete a mini-exam with a nurse in your home and then the company checks you doctor records and reviews and 'rates' your health) to get the real price of the policy. Remember that a health rating also factors in your family history, driving record, and the type of occupation you have. Only use quotes to help narrow down your choices to the top companies. You may want to consider a no load or low policy. The more that you save on commissions the more money builds up in your policy. You can even buy term insurance no load, and save a lot on premiums. You will not get the help of an agent, which may be worth something if they are very good.
Step 2 : Consider choosing and comparing several companies ..
this way is very unpopular Life insurance companies for forcing them to rack my brain to win the competition and increase their underwriting cost.
Step 3 : Ignore some hype bids on terms versus the value of permanent insurance cash.
Your head may break if you read a lot and follow what advice everyone has to say about buying insurance versus the whole versus the universal life policy.
Some insurance companies are racing to provide directions and guidelines that are sometimes unclear. Simply put there is no simple answer as to whether you should purchase a permanent cash value policy or term insurance.
But I do think there is a simple rule of thumb - buy term for your temporary insurance needs and cash value insurance for your permanent needs. I have read in various journals and run mathematical equations myself which basically show that if you have a need for insurance beyond 20 years that you should consider some amount of permanent insurance. This is due to the tax advantage of the growth of the cash value within in a permanent policy. I am divorced and have taken care of my children should I die. I probably no longer need as much insurance as I now have. I have earned a great return on my policies and have paid no taxes. I no longer pay the premiums, because there is so much cash in the policies. I let the policies pay themselves. I would not call most life insurance a good investment. Because I bought my policies correctly, and paid almost no sales commissions my policies are probably my best investments. I no longer own them, so when I die my beneficiaries will get the money both tax free, and estate tax free.
Since most people have short term needs like a mortgage or kids at home they should get some term. Additionally most people want some life insurance in place for their whole life to pay for burial, help with unpaid medical bills and estate taxes and so a permanent policy should be purchased along with the term policy.
Secret # 4: Avoid captive life insurance agents.
Should choose a life insurance company directly on behalf of the company, not a representative agent to avoid teerkena premium costs swollen.karena often found in the field Some people try to cut the agent and just register online. Just remember that you are not saving money that way because the commissions are usually kept by the insurance company or insurance company website without lowering your premium.
Sumber : ezinearticles.com
