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Thread: Life Insurance

  1. #1
    God/dess tiamaria's Avatar
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    Default Life Insurance

    I am searching for a good policy,any advice or suggestions?

  2. #2
    Featured Member Muyaha's Avatar
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    Default Re: Life Insurance

    probably those people that lurk in the dollar den would know.

    I may have many faults, but being wrong ain't one of them.

  3. #3
    Featured Member GnBeret's Avatar
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    Default Re: Life Insurance

    Quote Originally Posted by tiamaria
    I am searching for a good policy,any advice or suggestions?
    You need to talk to a broker... that's what they're in business for; what kind of insurance is best for you depends upon any number of factors, i.e., what you want the insurance for, how much coverage, etc.
    "That's your answer Old Man? I guess you're a Hard Case too...."
    - Luke
    "Some men, you just can't reach...."
    - Boss, re Luke

    If there's one thing in my life these years have taught me,
    it's that you can always see it coming, but you can never stop it.
    -Cowboy Junkies

  4. #4
    Sitri
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    Default Re: Life Insurance

    Yes,

    At your age, get an annually renewable term policy. It is very very cheap and you need the coverage, not a cash accumulation policy.

    You can go to the library and under research look for either LIMRA or A.M. Best. one of these companies publishes all of the Cost of Insurance COI for a 5 and 10 year period for all of the life insurance companies. Don't get talked into any other policy except ART or YRT.

    Select an A+ rated company and a low COI. I have always found Met Life to be the cheapest, but things do change.

    I see you are in NY. Any policy you purchase will be offered by a company domociled in NY. New York Life, Met, etc.

    Sitri, CLU, ChFC

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