Take The Confusion Out Of Life Insurance Quotes
Anything to do with life insurance, for many of us
, instantly stirs up a feeling of confusion and overwhelming uncertainty. What type of insurance policy is best? How much insurance do I need? Am I adequately covered in the event of the unthinkable? Am I getting a good deal? While its true that the average person has very little understanding of the pages and pages of fine print that accompany a typical life insurance quote, obtaining a life insurance policy doesnt have to be scary either. Its just a matter of having a basic knowledge of your options and being prepared for the interview.The first thing you need to determine is the type of life insurance quote you seek. While there are variations on both, the two primary options you will encounter are term life and whole life. Here are the basic differences:
Term Life Insurance is an insurance policy that will provide a monetary benefit to the designated beneficiary in the event of the policy holders death, but only during the predetermined duration of the policy. Term life policies are usually considered short term (in the grand scheme of things), and are typically purchased as assurance for home loans or other large investments. Term life policies can usually be renewed at the end of the term, however premiums are subject to adjustment at this time. These policies hold no investment value.
Whole Life Insurance is often the appropriate choice for the bigger picture. Whole life policies remain in effect for the duration of the policy holders life provided premiums are paid, which typically occur either quarterly or annually. Whole life policies function as a type of investment and retain cash value in the event that the policy should be cancelled.
When determining the amount of life insurance you carry, there are several factors to be considered, such as:
How many dependents do you have?
The ages of your dependants
Do you have children in college? With a dream of college in the future?
Is there a reliable, secondary income in your household? Would that be affected if something happened to you?
Monthly household expenses
Debt
Whether you seek a life insurance quote through an agent or online, you should be prepared to answer questions about the following:
Your income
Your debt
Your financial goals
Your age
Your health, both current and past (this part can get pretty detailed)
Family medical history
Tobacco use
Activities
A medical exam is often required to complete the application process. This expense is typically covered by the life insurance company.
Shopping for a life insurance quote doesnt have to be scary when you know a little bit about what youre looking for and, especially, what to expect throughout the process. Armed with this information, you will have the confidence to compare life insurance quotes intelligently, which will give you the edge you need to find the best deal.
by: Eric Louie Smith
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