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Old 04-25-2007, 05:17 PM   #41
In slow, fast out...hmm
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Another Perspective

Best/GREAT advice to learn from above:
1) 1FastGSXR - All riders need coverage. (life, dis, gap, etc) -> whether for helmet law (posers), or whatever...death/injury is a terrible burden on one's family & friends, already grieving with your accident. It's one less worry.

2) FJRMGM - Don't buy life insurance as an "investment" - buy it to cover the unexpected loss of income due to death! -> Bingo! "Buy more as your needs increase" is a perfect saying whether for loans, mortgages, new family, etc.

Speaking from many sides as agent, buyer, now actuary. Job is to price risk...area of expertise. From priced ins prods bf::
Longnguyen, rates depend on many factors (mainly age, smoke, ) and product type (term, UL, VUL, annuity, etc). Your question (Annuity/Life): what you're asking for is 1) an endowment policy (pay if live or die, not sold much), 2) pure endowment (pay IF you live), or 3) ROP term (rtn of 100% ins premiums+coverage-rider fee, expensive).

Term is cheap for young people (more coverage per $1), but once renewed or for older peps, it becomes expensive...ART very expensive bc each yr you age, P(death) increases=more $$$. If young, get term for immed needs, SAVE the diff bw term & UL into safe investments...then when term ends, buy your UL/VUL/etc.

Just my .02
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Old 04-26-2007, 09:23 AM   #42
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life insurance and the ammount honestly just depend on the persons situation. theres not a right or wrong with life insurance, just how much can you afford and what policy is right for you. thats why there is at least 15 different types of life insurance and you as the insured get to choose which ammount will fit you best depending your situation.
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Old 04-26-2007, 10:17 AM   #43
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"Actually term isn't the "most value" for your money, it is however the least expensive way to insure yourself for a huge amount. "

Since this is what most people want/need/can afford early in life it is the best value. If you want the "most value" don't get life insurance - use some other vehicle that has better returns.

Never buy any life insurance policy as an "investment" as rates of returns on insurance polices are guaranteed - guaranteed LOW!!
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Old 04-26-2007, 10:25 AM   #44
The Most Intolerable bish
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Ok the moral to the story is, JUST GET ADEQUATELY COVERED PEOPLE.

I really don't care by who, just GET COVERED. GO TO UR AGENT AND HAVE THEM GiVE U YOUR OPTIONS AND U TAKE THE BEST OPTION FOR YOURSELF. That's what u pay em for!!!
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Old 04-26-2007, 11:04 PM   #45
USAF n00b
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Anyone have anything for a military person stationed overseas?
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