what does non-guaranteed cash value mean in life insurance?
Posted September 28th, 2009how do they come up with this numbers? and why do agents always push whole life instead of the term? the quote says if for a whole life, 0,000 benefit / 30 yr, after 30 yrs the guratanteed is same 100grand, but the NON-guaranteed is gonna be 6,000 and the cash value would be [...]
Purpose of limited premium payment life insurance?
Posted September 26th, 2009What is the purpose of limited premium payment term life insurance? Is it so that the insurance companies can get hold of your premiums over a shorter period, or does it actually work out cheaper in the longer term for the policyholder? I appreciate that you may chose the premium term to be limited if [...]
What life insurance companies accept heavy people?
Posted September 23rd, 2009Hi;
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 [...]
Where can I get a quote for Term Joint Life Insurance (First to Die) in the U.S.?
Posted September 23rd, 2009The main reason that I am interested in the Joint Policy is so that if either my wife or I died, the other would have enough money to pay for the burial of course, and then also pay off the house, vehicles, and any other debt, so that she or I could keep the kids [...]
What exact is whole life insurance, and how do life insurance companies profit from selling it?
Posted September 20th, 2009Agents are always extremely keen about selling my family whole life insurance instead of term. According to the agents, whole life is preferable to term since it does not expire and as a result the beneficiary is guaranteed some payment upon the death of the insured. However, why would the insurance company profit from such [...]
Affordable term life insurance quote?
Posted September 18th, 2009What good is affordable term life insurance?
What are some decent Life Insurance companies for the elderly?
Posted September 17th, 2009My father is searching for some life insurance;
he is 71 and is looking for a term policy for 0,000. for a minimum of 20 years.
Know of any Companies that are good?
What exact is whole life insurance, and how do life insurance companies profit from selling it?
Posted September 14th, 2009Agents are always extremely keen about selling my family whole life insurance instead of term. According to the agents, whole life is preferable to term since it does not expire and as a result the beneficiary is guaranteed some payment upon the death of the insured. However, why would the insurance company profit from such [...]
Should Keep or Look into term Life Insurance Quotes?
Posted September 13th, 2009I have a whole life policy which I have been paying 45.00 per month for 16 yrs. I have to pay this amount until age 99 so they say. The amount it was for when I bought it was 50,000. It builds cash value. I am now 62. Should I keep this policy or look [...]
Genworth Life Insurance Company or Wester Reserve Life? For term life insurance ? Thank you!?
Posted September 11th, 2009Hi I am deciding between these two companies. I have tree babies and want to make sure they will be OK if something happen to me. I got quotes for 30 years term coverage 300,000 either 19.95 with Wester Reserve Life or 21.01 with Genworth Life Insurance Company. I understand the Genworth is GE (which [...]