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What is the cheapest insurance life here? I speak like Aflac?
I’m 22 now so I know better. I’m pregnant and want for my child and spouse. Thus, one the best and cheapest?
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#2 written by insuranceguytx 1 year ago
I suggest that you and your husband develop a life long game plan for you financial lives. This includes not only insurance (life, health and disability) but savings as well (retirement savings, college savings, savings for buying a new home, vacations etc).
Then consider what types and amounts of insurance you need to cover you and your family.
Talk to several agents.
Good Luck and thanks for planning ahead.
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#3 written by nicole k 1 year ago
I did some time with Aflac that person is only giving you one option to look at one company Im an independent agency and im able to look over 12-15 companies for you and your family. Just find someone who can give you more options than 1. Like most Aflac agents you will see them once for them to collect premium they will realize the commissions suck and you will never see them again.
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#4 written by Mark S 1 year ago
There are four basic questions that need to be answered:
1) Do you want ALL consumer debts paid off, ie, loans, credit cards, cars, etc.? Total this amount up
2)Income replacement? To cover all living expenses, how much do you pay each month, now? Total that and place that number beneath the first.
3)Do you want your mortgage paid for? Put the balance beneath the other two.
4) Education- do you want to be sure that your children’s education is taken care of? Figure 10-12k for state college and 20-25k for private, this is one year only. So 40-48k and 80-100k, respectively.
5) Do you want your funeral paid for? This will be 8-10k.
If you have your mortgage paid off, how much less per onth will it take to keep your family at their present level of living? Subtract this from number three.
Add them all up, this will be the total amount of insurance coverage that you need. The company I work for completes a financial needs analysis for you, complimentary- free of charge. This takes into account your finances as of this moment in time, you tell us where you wnat to be when you retire, set emergency fund for you, get you started on your retirement funds, and lets you know how much you should have for insurance.
Whether you went with my company, Primerica, or any other PLEASE get a full financial plan put together for you. If it is not a complete plan, then you may be sold something that you do not need, is too expensive or does not cover you the way it should.
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#5 written by aaron p 1 year ago
Well, there’s no reason to get “talked into” anything. This is pretty straight forward:
1. Figure how much coverage your beneficiary will need to raise you child. 5 – 10 times your current income should be comfortable, but do some figuring instead of just picking a random multiplier. The amount is SO much more important than the type of coverage.
2. Check around with local independent insurance agents to see what they can find for you. Talk to at least two (remember they are the one who will deliver the check if you pass away while insured).There are tons of quality companies out there, and none of them are the best in all circumstances.
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You are to be commended for thinking “the unthinkable” and planning ahead for your baby. Don’t get “talked” into anything you’re not comfortable with. Instead, talk so someone who works with several companies instead of just one and can find the best rate for you. That person is an insurance broker. There is no charge for the service and no obligation to buy. To find a broker in your area, log on to a website like http://www.lifeinsurancewiz.com and fill out a form requesting a free quote. Your information will be sent to a broker in your area who will contact you.