Comments on: Best Strategy for a basic Level Term Life Insurance?

By: mbrcatz

mbrcatz — Fri, 26 Feb 2010 05:34:58 +0000

If they’re all in the same price range, then maybe you’re just a higher risk than their friend.

As far as riders - I do recommend "guaranteed renewable and convertable". I just think that’s a good deal. Dave Ramsey always recommends Zander Insurance - they have a website. I am unafilliated with them, I just like Dave Ramsey.

By: car253

car253 — Fri, 26 Feb 2010 05:34:58 +0000

Premiums could be higher if your older than your colleagues or if you smoke, have any health issues, or have a more dangerous job.

There really is no need to get an insurance advisor for a fee. Call around some of the big companies and get some quotes like Allstate, Farmers, State Farm, Auto Club, ect. Get the quotes in writing either emailed or faxed to you so you can compare.

And, I don’t know which riders your talking about. You might want to post them. Riders usually do not cost that much but you can pick and choose which ones you want or choose none at all if you want.

By: jlf

jlf — Fri, 26 Feb 2010 05:34:58 +0000

Why don’t you ask these colleagues what insurer they have and how well satisfied they are? That’s the best approach.