|
...
|
Contributed by mm | September 13, 2006 2:00 PM PST
SmartMoney's recommendation is term life insurance, and I cannot agree with it more. Don't confuse insurance with investment. Let term insurance take care of your insurance needs, and get your investment portfolio in order to get the return you want.
From SmartMoney:
Life insurance comes in three flavors. Term insurance offers plain-vanilla protection at a low cost. Then there's whole life, which has a savings component. A third type, the return of premium, is essentially a hybrid of the first two.
Here at SmartMoney.com, we generally recommend term life, as its low premiums allow consumers to get maximum coverage at little cost. (They can then invest on their own the savings they'll reap by forgoing pricier options.)
But don't just take our word for it. Before you head to an insurance broker's office, you should be familiar with the pros and cons of each policy type. Insurance agents are notorious for their heavy-handed sales tactics. Arming yourself with some knowledge ahead of time is the best way to make sure you wind up with the policy that's right for you.
What do you think of this post? Be the first to share your opinions.
Enjoy the latest personal finance news and commentary at PFBlog Network.
|
What Is Adjustable Life Insurance? (September 20, 2006)
Adjustable life is a type of permanent protection that lets you change the amount of your premiums. You can also raise or lower the face amount of the policy, or shorten the protection period. If you increase the death benefit, you must prove that you ...
|
Subscribe to our feed: 
Latest Posts ...
|
Others Channels of the Personal Finance Blogger's Network
• Financial Freedom Trek (33 posts): One generation debter's trek towards financial freedom. (RSS Feed)
• Nathan's Financial Mindset (26 posts): My day by day activities to save for most foreseeable events in the future, retire early, and retire rich. (RSS Feed)
• Prospect (34 posts): Personal finance for today and tomorrow. (RSS Feed)
• Mrs. Money Matters (23 posts): Money matters from a wife, mother, employee, and entreprenuer. (RSS Feed)
• North of 49º (44 posts): Fiscal tips, tricks, rants and raves from North of 49º. (RSS Feed)
• The Money Garden (38 posts): Patiently cultivating wealth in pursuit of financial abundance. (RSS Feed)
• Stumbling to Financial Freedom (11 posts): Going from debt to incredible riches in one million easy steps. (RSS Feed)
• Fidelity Observer (98 posts): Tips, observations, and information relating to Fidelity Investments and other personal finance issues. (RSS Feed)
• Finance: Meet the Master (1 posts): Discuss finance related queries and stock market with the master. (RSS Feed)
• Personal Finance Café (9 posts): A forum to discuss personal finance issues including taxes, home ownership, insurance, budgeting, and investing. (RSS Feed)
• Coach Coin (55 posts): Simple Tips & Analysis from a Personal Finance & Success Coach. (RSS Feed)
|
Featured Sites
• Credit Cards from Credit Card Expert aims to provide a guide to UK Credit Cards so you can compare the credit cards available in the UK and find the best credit cards for you.
• Lifelock - Identity Theft Protection Service
• Bad Credit Auto Loans are loans for people who have a poor credit history and cannot qualify for an auto loan. If you are able to secure a bad credit auto loan, you should consider it to be a second chance to improve your credit rating by making all auto loan payments on time.
• Car Finance - The Uk's leading online car finance company. Buy any car from any UK dealership. Bad credit not a problem.
• mymoneyOnline.com compare over 200 secured loans to find the best deal from their lenders.
• Any-Loans.co.uk provide UK homeowners some of the best secured loans available. They also offer homeowner loans, no credit check loans and debt consolidation loans.
• bad credit auto loans - Auto loans for people with bad credit.
• Apply today for a fast UK payday loan to receive quick cash in your account almost instantly.
• advancestart.com - 3 easy steps to compare over 200 secured loan plans for UK home owners in minutes
• Find a fast personal loan in the UK. Even if you have a bad credit history, arrears or CCJ's, Loansite's top lenders can help you compare loans and find a low APR secured loan, homeowner loan or tenant loan with fast approval in principle.
• Adderson & Co. help homeowners with credit problems find bad credit loans and adverse remortgages. They also arrange commercial mortgages and secured loans.
• If you need a fast cash advance, applying for an instant UK Payday Loan online can provide short term financial assistance until your next salary.
• Legal Helpers experienced bankruptcy lawyers can help you out of debt. Take advantage of our Free debt consultation. Our bankruptcy lawyers will help you understand your best option to eliminate your debt. Ask about our 100% guarantee.
• Student Loan Consolidation - Need assistance with Student Loan Consolidation? Have a personal education finance advisor assist you with rates as low as 4.5%. -Quick, Easy Online Application w/E-sign!
• Cheap Car Insurance - Provides Cheap Car insurance. Receive an instant quote online
• Womens Car Insurance - Specialises in cheap car insurance for women
• Have a Personal Bankruptcy Lawyer assist with filing bankruptcy for a chapter 13 or chapter 7 bankruptcy case. Free bankruptcy evaluation tool.
• secured loans - Any purpose low Cost secured Loans.
• Tankless Water Heaters - Instant, On-Demand Hot Water Heaters Save Money, Energy, and Space.
• Payday Loans Cash Advance - Offers information and details on cash advance payday loans.
• Compare over 250 secured homeowner loans in minutes online to find the best UK deals.
• The Internet's most trusted credit card resource directory.
• Online Loans
• Bad Credit Loans
• Fleet Dealer - Ford Fleet trucks and vans, cargo vans, cutaway vans, LCFs, work trucks, commercial trucks, ambulances, tow trucks, police squad vehicles, and other commercial vehicles like box vans, delivery vans, box trucks and dump trucks.
• Bad Credit Auto Loans - Auto loans bad credit, bad credit auto loans, guaranteed credit approval, auto financing, credit lenders, car credit, automobile lenders, bad credit auto loans seattle, auto loans bad credit seattle. (Home | Apply | Inventory | Credit Help | Contact Us)
• Ford Dealer - One of the World's largest Ford Dealerships. Over 3,000 cars and trucks to choose from. Mega Volume Dealer. $1,000 price guarantee. Large Special Finance Store. Ford Dealer Seattle. Mustang, Edge, Explorer, F150, f250, fleet, build your own Ford. (Home | New | Used | Specials | Build your own| Contact Us)
• Auto Loans Bad Credit - Bad Credit Auto Loans, auto loans bad credit, guaranteed credit approval, car credit car loans, automobile financing, credit lenders, bad credit auto loans seattle, auto loans bad credit seattle. (Home | Apply | Inventory | Credit Help | Contact Us)
• PayDay Loans
• Bad Credit Car Loan - Car Loans Bad Credit, Car Loans, Vehicle financing, car credit, bankruptcy car loan, bankruptcy car loan, Car loan bad credit, bad credit car loan, auto loans, nationwide car loans, instant credit approval, guarantee credit approval, slowpays, car financing, vehicle loan, vehicle loans.
• moneyeverything.com - Find the right credit card to suit you with our guide to the right card in the UK
• airaid.co.uk - Looking for credit cards in the UK? Find the right credit card to suit you with our guide to choosing the right card in the UK
• College Student Loans: Features a directory of private student loans, federal loans and college loan consolidation. Borrow or consolidate online and save.
• Student Loan Consolidation.com: Compare leading college student loan consolidation companies and apply online or fill out one form and let lenders compete for you.
• Bad Credit Loans - find out some tips about improving your credit score and choosing the best bad credit lender.
• Consolidate debt with Bad Credit Personal Loans online or Personal Loans, consolidate Bad Credit Personal Loans or apply for Credit Cards including 0% deals.
• You may also want to look at UK Bank Accounts and get a Credit Report before comparing UK Credit Cards or finding out about UK Mortgages to refinance or move house.
• We provide personal loans for debt consolidation, home improvement, bad credit loans at cheap rates in the UK.
• If you are buying a car you may want to search for UK Car Insurance to get a car insurance quote online.
• Advantage Loans - Unsecured Loans for anyone who has been refused a loan by their bank. Advantage loans arrange unsecured Tenant loans for Tenants, homeowners and anyone with credit problems. Advantage Loans search the UK market to find the best loan for you.
• Accepted.co.uk compare over 100 secured loans to find the best deal from their lenders.
• Payday Loans
• Accepted.co.uk compare over 100 secured loans to find the best deal from their lenders.
• Sending money to family and friends has never been easy. Use iKobo, secure way to send money worldwide
• Payday loan tips at paydayloanreport.net helps you to defeat cash-checking and payday loan traps.
• MM Money is an interesting money blogthat covers many aspects of personal financial matters.
• This insurance weblog covers all major types of insurance, including health, life and car insurance
• Bestcardguide.com offers independent review of best credit cards
• Real Bankruptcy offers excellent tips of bankruptcy and how to avoid them
• Small Business Loans
• Credit Card Debt Relief
• Online Credit Card Processing
• Questions on Finance
• Sell Future Payments - sell your structured settlement payments for cash now
• online casino - reviews of goldenpalace, casino-on-net, and more. onlinecasinobluebook.com review guide.
• Student Loan Consolidation - the student loan solutions provides students and their families with information and resources to help students get out of default and better manage their student debt.
• Manufactured Home Loan - specializing in mobile/manufactured home financing and refinancing in parks and on leased land
• Bad Credit Auto Loans - washington state's bad credit auto financing leader.
• Home Loan - getsmart is a leading online financial marketplace, focused on smart consumers in a hurry.
• Credit Cards - the best deals on uk credit cards compared, regularly updated
• IRS Tax Lien - when you need help with your tax problems, call citizens tax relief.
• bankruptcy - bankruptcy lawyers from around the country providing assistance with chapter 7, chapter 13, and debt issues
• Credit Repair - repair my credit now credit services offers credit repair, restoration and education through our exclusive "v" phase process â„¢
•
Want to See Your Ads Here? Claim Your Ad Space at Personal Finance Weblog by Writing to Webmaster. Starting at $39/month, see your text ads in thousands of indexed pages at PFBlog, the Best Personal Finance Blog. Full Rate Card Available Here.
|
