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Are Social Security Private Accounts a Good Deal or Raw Deal for African Americans?
Whew! I almost wrote a really long article about the Social Security System and what it means to Black folks. Fortunately,I fell asleep while writing it just like you would have reading it. Ican't think of anything more boring then an...
Contrarian Strategies: Selecting Small Capitalization Stocks
INTRODUCTION Contrarian investors are often ridiculed by the rest of the investment community for their stubborn, illogical view on the stock market. When everyone else is running for the sidelines, contrarians are buying and when the rest of Wall...
Forex Trading: Create Fantastic Wealth From Forex Trading
What is currency trading? How can you get rich and powerful from currency trading? Who can do currency trading? Can you do currency trading from any country of the world? Until six years ago, when the United States Congress passed a law and...
Seven Investment Terms Everyone Should Know
For those who have never given their financial future a second thought, the term "Financial Planning" could be a scary one. Investments can be a smart way to invest money for your future, but it can be confusing for those who have no experience in...
Staying Safe In A High Risk Market
Did you know that 80% of the price movement in a stock or a mutual fund is determined by the overall market conditions and by the company's sector? This is the reason we use the top-down approach in managing your money. We look at the market...
 
What is Life Insurance?

Life insurance protects you and your family from economic hardship as a result of death. It is an insurance company’s obligation to pay the recipient of your choice a pre-determined amount of money when you die in exchange for timely payment of premiums while you are living.

Do you really need life insurance? Well do you want to provide for your family and loved ones in a manner to which they have become accustomed in the untimely event of your death? If you are the primary breadwinner who will pay the mortgage on the house your spouse and children live in if you pass? Who will provide financially for your family if you are gone? How will your children’s education be financed in your absence? And finally how will your burial expenses be covered?

Now that you have decided you do indeed need life insurance, how much do you need and if you already have life insurance do you have enough? Some things you will need to consider when making this decision:

How much can your family afford to pay off your mortgage loan or your rent if you die?

How much debt will you leave behind to include credit card balances, car loans, student loans, personal loans


etc.?

How much annual income will your death remove from your household?

How much will the funeral you desire cost?

Do you want to leave behind a charity fund in your name?

Do you have special family members you would like to leave a financial gift behind for?

How much will your spouse need to care for a family member with special needs?

How much do you want to leave behind for your children’s education expenses?

Once you calculate how much money you want to leave behind consider how much you currently have in terms of individual or group life insurance along with your other assets such as savings accounts, CDs, mutual funds, stocks, bonds, 401K, retirement plans or pension plans and subtract that amount to decide how much life insurance you currently need to purchase.

About the Author

Timothy Gorman is a successful Webmaster and publisher of Best-Free-Insurance-Quotes.com. He provides more insurance information and offers free money saving auto, home, health and life insurance quotes that you can research in your pajamas on his website.

 

Morningstar: Stocks, Mutual Funds, and Investing
Offers investment research. Covers stocks, funds and college savings plans.
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StockSmart - Putting the Individual Investor Ahead
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Finance - Stocks-Mutual-Funds Ezine Articles
EzineArticles.com allows ezine or email list publishers to upload or download free expert content that can be used within email newsletters or websites.
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Finance: Stocks Mutual Funds Articles from EzineArticles.com
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Online Giving - Campus Crusade for Christ International
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Excel workbook for stocks and mutual funds. Download quotes directly from Internet.
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News From The Associated Press
Copyright 2005 Associated Press. All rights reserved. This material may not be published, broadcast, rewritten or redistributed. Comments and questions.
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Google Finance Launches : Track Stocks, Mutual Funds & Companies
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Yahoo! Answers - Individual stocks, mutual funds, and ETFs?
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Petition Spot :: View Forum - Investing: Stocks, Mutual Funds
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Subordinate Link Selected Link (Level 3): Donate Stocks/Mutual Funds/Bonds · Subordinate Link Donate by Telephone · Subordinate Link Employee Giving ...
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Free short term stock picks. Buy, sell and hold recommendations. Stock market, financial investments, quotes, mutual funds.
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Stocks/Mutual Funds - Gospel for Asia
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Articles for Reprint - Stocks-Mutual-Funds
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