Rates charged for life insurance increase with the insurer's age because, statistically, people are more likely to die as they get older. The insurance company will ...
If you're planning to increase your total life insurance, it's generally better to keep your old policy and increase its face amount if you can, or simply add a new policy.
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Richie Rich 5:03 am on February 12, 2010
There are many. Talk with both brokers and agents to get a feel for things. Ask questions and take notes. For most (98%) people, term insurance is best. Some questions you should ask include:
How long before my beneficiary receives the money typically?
Is it delivered by the agent or mailed from the company?
Will I get help with decided the best use for it?
How long will coverage be enforce?
Can I renew with same coverage and type (eg: preferred) with out proving insurability (in case you get cancer or something just, if not more, serious)?
Is renewal automatic?
How long is the coverage level?
May I include my spouse/children on the same policy (one policy vs. 3 or more)?
Good luck.
mbrcatz17 5:03 am on February 12, 2010
Yes, there are lots of companies. Most are A rated (life insurance is very profitable). Most people have life insurance at some point in their lives – about 30% of americans die with an active policy in force. Yes, it really pays the named beneficiaries.
You need to talk to a local agent.
Ron 5:03 am on February 12, 2010
I am a licensed agent appointed with Nationwide Insurance. We offer outstanding life insurance products and are A+ rated with A.M. Best. The rating means we have enough funds on hand to maintain solvency and financial stability.
Always look for ratings of this sort.
Ron, ChFC
Investment Advisor
Insurance Made Easy.biz 5:03 am on February 12, 2010
I suggest you look for a local broker that can help you sort through the different companies available.You can us yellowpages.com to search for life insurance brokers in your area. A Broker represents multiple carriers and can help you sort through all the different insurance companies and plan options in your state. You can call your auto and home agent they specialize in property and causality insurance and usually have a good knowledge of life insurance. But you may have better luck with someone that specializes in life insurance. These areas of insurance even require separate licenses. Plus you auto agent will sell you the brand they represent when a broker has more flexibility in the plans they can sell.
C J 5:03 am on February 12, 2010
My wife and I used http://www.nationalinsurancesite.com/life/. You can compare life insurance quotes on this site and find out what plan best suits you. Give them a try. Hope they can help you out. Good luck.