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WHO AMONG YOU HAS ONE? i'm planning to have one but is it worth the money? it covers accidents and even death. let me know your opinions. thanks. :)

Autunm there are many different life Insurance policies to choose from. It's best if you find an independent agent and speak with them to address your needs. To get a ballpark figure on Term Life you can go to Term4Sale.com - Term life insurance comparisons (over 100 companies) (http://www.term4sale.com)

Remember the rates are set after you go through underwriting with the individual company. There are some companies that don't require a physicaly or blood but in most cases they will cost more.

As for Accidential Death, it will only cover death from an acident, but of course you should read the policy and/or brochure to see what's covered.

My hubby has one and we are looking at one for me too. I recently saw a commercial for www.selectquote.com (http://www.selectquote.com) which is like Lending Tree but for Life Insurance. I haven't used it but maybe it will help you get a nice quote?

When shopping for insurance there's more to it than just price. Different carriers rate people differently. So depending on underwriting it amy be a good idea to place each spouse with different carriers. There is no one size fits all. Then there's the different features of a policy. Such as the guarantee period, is it convertable, the available riders, etc. Be it buying online or from an agent there is no different in cost. So why not speak with an independent agent who can answer your questions and who will sit with you face to face

Something I have found helpful in looking at different life insurance options is Allstate Financial's Web site: Personal Finance Guides, Tools & Calculators, & Financial Products - My Allstate Financial (http://www.myallstatefinancial.com)

They have a ton of articles on different options based on your current situation as well as financial calculators that help you choose the best plan. Life Insurance Quotes - Allstate Financial (http://myallstatefinancial.com/financial/financial-products/life-insurance.aspx)

Hope that helps!

Jill
Advocate of Allstate

My hubby's life insurance is thru our Allstate agent :)

Just as a side note. Different companies offer different products and features. Do a quopte from the All State site and then go do a quote at Term4Sale.com - Term life insurance comparisons (over 100 companies) (http://www.term4sale.com).

Here is a site for some great information on Life Insurance:
Life Insurance - LIFE Foundation (http://www.lifehappens.org/life-insurance/)

I visit your site its really good and informative.

Good Question.

I like Allstate Life Insurance. They have some nice tools in their articles and calculators section. (http://www.myallstatefinancial.com/financial/financial-products/life-insurance.aspx)

Hope this Helps!

Kevin N
Allstate Insurance Advocate

(http://www.myallstatefinancial.com)

Hi Everyone..

I have recently join this site and this is nice idea for providing us information about Life insurance. Would you mind to let us know more about this? Thanks!

Here is one example of the impact of having or not having enough Life Insurance..
Bank's red tape may cost widow her home (http://www.sfgate.com/cgi-bin/article.cgi?f=/c/a/2010/05/25/BUHV1DJ4AQ.DTL&type=realestate)

In short,
In pure endowment policy, death benefit is not covered. There is only survivor benefit. Where as in Pure Term Insurance Policy, only death benefit is covered.
As Investment:
I don't find pure endowment policy as investment avenue, there are better opportunities other than that.
Pure Term Insurance policy never meant for investment as it covered only risk of death. However it can be used for estate planning.
As Insurance:
Pure endowment policy only covers survival risk and term insurance only covers risk of death.

Life insurance information is very available - trying googling "About life insurance" or "life insurance information". I like adding "about" or "information" to any search so I don't just get commercial information!

Well in fact i am dealing in Massage Therapy Insurance the insurance for therapist but There is a lot of opportunities? to get life insurance and many different plans according to my suggestion you should get life time insurance this will cover many of you problems.

If you are looking at an accident policy make sure it is one that you get your money back after a period of time.
Like $100,000 accident, increases $5000 per year, for 20 years, cost 22.75 per month, issue ages 18-60, guarantee issue, all your premium payments returned at the end of 20 years. Good for almost all occupations.
It's like having free insurance.

Hope if your an agent here is an interesting paper to read. Look at page 15 for the leading causes of death.

http://www.cdc.gov/NCHS/data/nvsr/nvsr58/nvsr58_19.pdf

thanks for such an informative post here on . . . ;)

Here's a site with some information for consumers and agents..
Insurance 101 Videos - Insurance 101... in a Flash - LIFE Foundation (http://www.lifehappens.org/insurance-101-videos/)

Thanks for sharing such valuable information! Its a great post!

As long as there are people who need assurance in the future, insurance providers will continue to exist and survive. The key to a successful career as an insurance agent is to get endless leads through any of the following means: socialize with people, ask for referrals, browse through newspapers, give out business cards, offers sponsorship programs, visit potential institutions, and make door to door transactions.

With all the competitors out there, sometimes it is hard to get successful insurance leads. Clients are careful in weighing benefits offered because they also want to enjoy utmost protection. Since a lot of insurance providers are trying to win customers, agents may run out of potential leads. Below are some tips you might find useful in getting insurance leads:

Socialize with people

The very first step that you need to do in order to gain exposure is to interact with people where ever you go. As much as possible, try to befriend everybody you meet because that chance encounter might turn out to be a successful deal. This usually starts by introducing yourself and sharing your background. Do not attempt to make sales talk the moment you get in touch with someone, since this might create a bad impression on the prospect. Talk about anything else instead of limiting your discussions to business and work. You may begin to show your ales powers when you are both comfortable with each other.

Ask for referrals

Asking for names of your friends and relatives is one effective way to expand your network of contacts. Simply jot down their names and other pertinent information so that you can start contacting them as soon as possible. This might be a very simple strategy, yet you will be amazed how large your market will be once the entire family takes advantage of your offer.

Browse through newspapers

While reading a newspaper, do not forget to visit the sections on weddings, birthdays and others like them. As people face new chapters in their lives, they can't discount the possibility of experiencing bouts of anxiety as well. This may be due to the fact that as a responsible individual, you do not want to put any of your family at risk. The need for securing life protection increase and can make sales agents a few bucks richer. Usually, those found on the papers are rich and famous, so you need to be fast in keeping in touch with them to convert it into sales.

Give out business cards

A conservative way of generating future sales is by giving out lots of business cards. Although this doesn't produce immediate results, you can still expect a small percentage of people to convert into happy clients. You do not have to invest a fortune just to make an attractive business card. Instead, incorporate usefulness by making a call card and a pocket calendar at the same time. This will lessen the chance of having your card land in the trash due to its added worth.

Offers sponsorship programs

If you want to turn your company into a brand name when it comes to the insurance industry, provide sponsorship once in a while so that your name and occupation become more commonly known to your community. As soon as people recognize the institution, you can expect an influx of clients in the next few weeks or months.

Visit potential institutions

If you wish to catch good sales through group leads, try visiting large institutions such as schools. College students are good candidates due to the fact that most have enough money to finance their needs on a daily basis. If you can just influence them not to waste money on unnecessary things, you might be successful in letting them purchase an insurance policy as well.

Door to door transactions

The least that you can do is to use the door to door method when conducting business transactions. Although exhausting, you can still find this obsolete strategy helpful.

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