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Archive for November, 2008

Life Insurances

Nov 11

Posted by admin in Cheap Life Insurance in Arizona | Comments off

I am single is there really any reason that I should get Life Insurance?

Todd

Sedona, Arizona

Excellent Question Todd,

Life insurance is something you should definitely consider if you have a loan that is in your name and that of a cosigner. A cosigner doesn’t have to be a spouse. It can be a friend, relative, co-worker, even a roommate. If you die unexpectedly and your name is listed on a loan, your cosigner becomes 100% responsible for repaying that loan.

You might want to consider getting a term life insurance quote for at least the amount that will cover your loan obligation and make the cosigner your beneficiary. Even if a loan is in your name solely, creditors can go after your assets later on in an attempt to settle your loan obligation

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Term Life Insurance Policy Scottsdale, Arizona

Nov 10

Posted by admin in term lifeinsurance in Arizona | Comments off

I would like to know which would you recommend that I get, Term Life Insurance or Whole Life Insurance?

Mike

Scottsdale, AZ

Good Question,

The debate of whole versus term life insurance has been going on for quite a while. There is no absolute right or wrong in this debate regarding life insurance. It will always depend on your paying capacity and individual needs as a person. Both have their own benefits and their setbacks.

For term life insurance policy, you are insured from death and your beneficiaries will be given an amount of money if you die within the term that you are covered. Premiums are generally lower at the onset but increase as you renew the term life insurance policy. The downside of term life insurance, if you don’t die within the term of your insurance, you will get no cash values at the end of the term if you will not renew.

With whole life insurance policy, you are insured for the whole of your life. However, the premiums may seem costly for the first few years especially if you’re young, but as you climb the corporate ladder the burden will lighten as you will most likely be paying for the same premium for the whole of your term. Also another good thing with whole life insurance is, depending on the specifics of your policy, you may be getting cash values in the form of dividends in the later years, which you can get or use to pay your premiums.

My advice to you would be to talk to a term life insurance agent who can help you assess where you will benefit the most.

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Cheap Term Life Insurance Tempe Arizona

Nov 7

Posted by admin in Cheap Life Insurance in Arizona | Comments off

What are some of the benefits of having cheap Term Life Insurance?

Ted

Tempe, AZ.

Excellent Question

Since no one can tell the future, it’s not possible to know for certain whether the policy holder will or will not die during the term. Both parties take a gamble on cheap term life insurance.

In the event the policy holder does pass away during the term, the insurance company pays the death benefit to the beneficiary (or beneficiaries) listed on the policy. Death benefits are paid out with a one-time lump sum and this fulfils the insurance company’s obligation. The beneficiary is then free to do with the money what he or she chooses.

The money can be invested so it can be drawn upon as needed, it can be used to pay off the insured’s personal debt, it can be used to maintain the family’s established quality of life, or it can even be used to pay off a mortgage.

One benefit of selecting cheap term life insurance is that your monthly premium payments will always be the same. The amount you pay on the first month is the same amount you will pay on the last month. Having a fixed monthly payment for a fixed number of months makes it much easier when you’re trying hard to manage your finances.

With cheap term life insurance, you get a lot of peace of mind for a relatively small monthly investment. Of course the downside is if you don’t die during the policy term, your life insurance will simply expire and you won’t be able to recoup any of the money you’ve paid towards the policy.

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Cheap Smoker Life Insurance Tucson, Arizona

Nov 5

Posted by admin in smokers life insurance arizona | Comments off

I smoke a lot. I am wondering if it is possible for me to get cheap smoker life insurance?

Frank

Tucson, AZ

 

Frank,

Medical studies show that smoking may cause cancer and various illnesses that is why smokers generally pay higher life insurance premium than those who do not smoke. The best way to get cheap life insurance premium is to stop smoking and if you successfully done so, you can inform your life insurance agent. No doubt you will get cheaper life insurance premium and will make your healthy at the same time.

If you want to get cheaper smoker life insurance premium, you can take advantage of any life insurance discount that is available to you. You may be able to get a multi-policy discount from your life insurance company if you obtain your smoker life insurance policy and other insurances from the same insurance carrier. There are other life insurance discounts so it is best to check with your life insurance agent.

The best thing to do is to shop around for various insurance carriers if you want to get cheap smoker life insurance. You will get higher chance of obtaining cheap smoker life insurance if you compare life insurance rates from different life insurance company.

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Whole Life Insurance Policy Mesa Arizona

Nov 1

Posted by admin in Cheap Life Insurance in Arizona | Comments off

I just want to know if Whole Life insurance Policy is the same as the permanent life insurance? Thanks.

Mark

Mesa AZ

 

Hi Mark!

The whole life insurance policy is a actually a type of permanent life insurance. This type of insurance is is also known as straight life. This insurance means that your life insurance payment is constant throughout or the remainder of your life. This whole life insurance, is better to start at an early age, therefore making your life insurance premium payments much cheaper. Your money will increase but it will depend on a definite rate in your life insurance policy. The best thing with this type of life insurance policy is that if you are currently experiencing any financial issue, you can easily loan the cash value of your life insurance policy from the closest insurance company or agent in your area. The cash value of your life insurance policy means that it is the money in your life insurance that raises at later. Now, the life insurance premium payment for your loan will be the same as the prevailing interest rate used by your current life insurance policy. If you want to get more information on the whole life insurance policy, you may contact the nearest life insurance agent near you.

I hope this explanation has answered your question.

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