Term Life Insurance Commercial
February 28th, 2010
WIDProductions asked:
Freedom Term Life Insurance! Make sure it LOOKS like an accident.
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Posts Tagged ‘Term Insurance’
Suze Orman on Cash Value Life Insurance vs. Term Life Insurance
February 6th, 2010
wheel150050 asked:
Life vs. Term Insurance
Life Insurance?
January 8th, 2010
ccmdolphin asked:
I have read many answers about term vs. whole life insurance. Maybe I am dumb, but I am still confused with all the options and blah blah blah. Here is my situation and please suggest what I should do as far as life insurance.
1. My husband (works for state, $60,000/yr) is the only one working.
2. We are both 32 years old this year.
3. We have 1 son (age of 1)
4. We own a house which is paid off (renting out right now)
5. We would like to purchase another house in the near future (1-2 years)
6. We would like to have another child.
7. I have a college degree so I can work if I want to in the future
8. We have a college fund set up for my son and plan to have him work to pay for part of his college.
9. We have Roth IRA and 457 for retirement. Not so much$$
10. My husband just wants to make sure that my child(ren) and I will have enough money if something were to happen to him.
Now, what should we do about life insurance? I know we will get other insurance (accidental).
I have tried to look for Financial Planner, but with no luck. It seems like I have to have to be millionaire for them to even look at me or return my call. I am leaning toward 20 term (should I get 30 term?) and $250,000 whole (assuming we won’t have much obligation then, but just the final costs) with other insurance such as accidental, disability…. Is that about right? Any good insurance company suggestion? Any good financial planner suggestion? I so lost faith in them since I have had no luck. I don’t mind letting them make some money off of me, they have to make a living too. But is it that hard to find someone honest?
I have read many answers about term vs. whole life insurance. Maybe I am dumb, but I am still confused with all the options and blah blah blah. Here is my situation and please suggest what I should do as far as life insurance.
1. My husband (works for state, $60,000/yr) is the only one working.
2. We are both 32 years old this year.
3. We have 1 son (age of 1)
4. We own a house which is paid off (renting out right now)
5. We would like to purchase another house in the near future (1-2 years)
6. We would like to have another child.
7. I have a college degree so I can work if I want to in the future
8. We have a college fund set up for my son and plan to have him work to pay for part of his college.
9. We have Roth IRA and 457 for retirement. Not so much$$
10. My husband just wants to make sure that my child(ren) and I will have enough money if something were to happen to him.
Now, what should we do about life insurance? I know we will get other insurance (accidental).
I have tried to look for Financial Planner, but with no luck. It seems like I have to have to be millionaire for them to even look at me or return my call. I am leaning toward 20 term (should I get 30 term?) and $250,000 whole (assuming we won’t have much obligation then, but just the final costs) with other insurance such as accidental, disability…. Is that about right? Any good insurance company suggestion? Any good financial planner suggestion? I so lost faith in them since I have had no luck. I don’t mind letting them make some money off of me, they have to make a living too. But is it that hard to find someone honest?
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