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Contributed by mm | August 21, 2006 2:24 AM PST
Some time-tested tips for life insurance buyers from the Office of the Insurance Commissioner of Washington State. If short, all life insurance buying tips can be reduced to two: sticking to term life insurance and comparison shopping.
From Washington State Office of the Insurance Commissioner:
Term life insurance: Most consumer advocates feel that term insurance is the best life insurance buy. Term is different from "whole life" or "ordinary life" in that you build up no equity, or cash value. In term, you pay each year for the cost of insurance, which typically increases annually as your chances of being alive the next year decline. Most term policies are renewable on an annual basis, and some have level premiums or a decreasing death benefit for a stated period -- one, five or ten years, or even to a specified age.
Shop around for rates: Life insurance is a competitive marketplace, and much of the competition focuses on price. Don't hesitate to seek premium quotes from several different companies.
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Yes, Smokers Can Still Get Term Life Insurance (August 23, 2006)
If you’re a smoker, you may think that you can’t get quality term life insurance coverage. In the highly competitive insurance marketplace, companies are beginning to realize that smokers are a large market segment who are willing to pay elevated (but not excessively so) premiums ...
Life Expectancy Table (August 22, 2006)
Take a look at the life expectancy table used by major insurers. If you want to use it to plan for your retirement, it might be wise to add ten more years as a safeguard. According to the table, I can live for another 45 ...
Term Life Insurance Comparison Shopping on the Web (August 20, 2006)
CNN Money reviews four sites that provides quick term life insurance quotes from multiple insurance companies. In addition, I will recommend Wholesale Insurance. I used it to acquire term insurance for both my wife and myself last year, and its service is top-notch.
The Benefits Of Term Life Insurance (August 15, 2006)
I am a huge fan of term life insurance. When it comes to insurance, it is necessary to draw a line between protection and investment. Oftentimes, individual's investment interests can be best served by specialized investment vehicles instead of these fancy whole life insurance products.
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