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Bankers Long Term Care Insurance
How many times have you seen people whose life was turned upside down by an accident? When an accident occurs, you must be prepared to face it. Nobody knows when bad things can happen, so it’s good to count on a health care insurance policy. ...
Buy Life Insurance Online and Save!
There are many ways to research and buy a life insurance policy, but the fastest and most affordable way is to buy life insurance online. This way, you can supply the most accurate information and compare the greatest number of different quotes and...
Do I need travel insurance?
Do I need travel insurance? In the United States health insurance, unlike many other countries, you can find dozens of Blue Cross Blue Shield plans. Hundreds of regular commercial insurance and so many more health insurance plans like managed-care...
How Many Homeowner Insurance Quotes Do I Need To Save Money?
Homeowner insurance quotes can vary in the amount they cost you based on a variety of factors – many that you can control. There are of course some variables that are common among all house insurance policies. They include the size of your house in...
Life Insurance Careers
Do you like to spend all day being sitting around? Fixed income is good enough for you? Do you feel economic stability is not a priority right now? Well, if your answer to any of above questions is “Yes”, you should accept the fact youhave a very...
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Term Life And Whole Life Insurance
Which type of policy is best for you, term or whole life? The answer depends on several factors, including:
Your Needs. If you need coverage only until your children graduate from college, for example, you might be better off with a term life policy.
Cash-value insurance is better suited for long term needs, such as planning estate taxes and providing lifetime security for your spouse. Some term policies cannot be renewed past age 70 or 80 and can become costly to renew as you approach that age.
The Cost. If term life insurance is more suited to your budget and you want life time coverage, consider a term life policy which can be converted into a whole life policy. Then you can convert the policy whenever your cash flow or needs dictate. You can also purchase a combination of term life and whole life insurance and gradually shift into whole life insurance over time.
Your Savings and Investment Goals. Whole life insurance can be a good long term investment vehicle, especially because the cash value has the potential to grow
tax-deferred. Should you no longer need the insurance but want some extra cash, you may surrender the policy and collect the accumulated cash value. Be sure to discuss the tax consequences with your tax advisor first.
As an alternative, you could purchase term life insurance and invest what you save on premiums on your own. Compare the returns you can expect, and remember to take taxes into consideration if you plan to select taxable investments.
So, Should I Buy Term Life or Whole Life Insurance? Term life and whole life insurance both have advantages including immediate family protection. Deciding which type of policy and which features are right for you takes careful consideration and, most times, a comprehensible look at your financial plan. To discuss your life insurance needs and financial requirements, contact your financial professional.
About the Author
Hughes Trustco offers you free E-books & Brochures to help you in buying life and health insurance. For the cheapest and best life insurance quotes, visit http://www.hughestrustco.com
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