I want to purchase probably 50k to 100k. I want to make sure my son is well off if something were to happen to me. I am in my low 30’s and healthy.

 

  • Randy Hare 9:03 pm on March 10, 2010

    The least expensive for a healthy 35 year old
    These quotes are for a Kansas Resident
    Preferred Plus Rating Non Smoker

    $100,000 30 year Term Life thru Transamerica Life… is $13.97 a month
    For a Guarenteed Universal Life is $43.46 Transamerica’s is $42.26

    $250,000 30 year Term Life is $23.31 and the best Universal Life is $91.66

    $500,000 30 year Term Life is $40.69 and the best Universal Life is $178.06

    All the term quotes are guarenteed level for 30 years with the oppertunity to convert to a permenent Policy without proof of insurance. As long as you pay the premiums on time.

    All of the Universal Policies are guarenteed level til age 120…As you can see the price between Term Lifes are very small price difference’s between the different the policy amounts.

    Just go to my website at http://www.insureallkansas.com and click on Life Insurance and enter your info and I will email you the paperwork to get started on filling out your policy. Its that easy…

    One other thing that you should think about is to look at a Universal or Whole Life policy that has a Long Term Care Policy attached to the Life Insurance Policy… John Hancock has an awesome and strong program built within their Life Insurance Program. God forbid if you do get sick and can not care for yourself later on in life that your Son and his family will not have to use their Financial resources to take care of you and your wife. The older that you get the more expensive that the Long Term Care becomes.

    Make sure that you go to my web site and let me know your age, state, smoking status and any preexisting conditions that you may have

    Randy Hare
    randy.hare@yahoo.com
    http://insureallkansas.com

    Thank you so much for your time.

  • SEGERLOVER 9:03 pm on March 10, 2010

    the only thing i can think of is make sure it is coverage for life.
    some cut you off at a certain age or your payout is less when you hit a certain age. like if it is for 50k, when you turn 65 or 70, that amounts drops.

  • CARSON 9:03 pm on March 10, 2010

    Well depending on how old your son is you’re going to consider two types of life insurance, Whole life and Term life. Don’t worry about taking any medical exams for face amounts as small as 50k or 100k unless you know of health issues that are going to come up in underwriting. They will look at you’re medical information bureau record, it lists everything you’re doctor has ever diagnosed or prescribed.
    If your primary goal is to protect your child’s future while he’s under eighteen or even a little older you will probably choose a term life policy, it will be cost effective for your goals. You’re looking for something like a 20 or 30 year level term. You also want to make sure it is guaranteed renewable and convertible.
    Let’s start at the beginning: a 20 or 30 year level term means you will pay the same premium every year for the length of the term you pick. The younger you get it the better it is for your wallet. A 20 year term should mean he’s at least 18 and a 30 year term will guarantee it.
    You’re looking for a guaranteed renewable policy so if for any reason at the end of the 20 or 30 year term you want to renew you can renew at the premium for your attained age and not have to submit to certain criteria.
    You’re looking for a guaranteed convertible policy so if at anytime during the length of the term you’re diagnosed with a terminal or otherwise harmful illness you can convert to a whole life policy which will provide a bigger payout at your passing. Granted your premiums will increase but it will be a bigger payout for junior.
    Based on these considerations and your age you should look for a 20 or 30 year level term that is guaranteed convertible and renewable. You get the cost effective premiums of a term policy with the peace of mind to get bigger payouts with whole life if the unthinkable diagnosis ever happens. For this and more information about insurance check out the website I built for my insurance agency at http://www.aisreno.com.

  • Greg 9:03 pm on March 10, 2010

    You can easily check life insurance quotes in internet, for example here – lifeinsurance.awardspace.info

  • mbrcatz 9:03 pm on March 10, 2010

    How about coverage and riders?

    And . . . $50k is NOT going to leave your son well off. It won’t go very far, at all. Between child care, medical care, and basic necessities . . . maybe it will last him three years.