President, Lane Independent Agency, Southern California
There clearly is no one answer to that question. I detailed interview needs to take place. I need to know if you are looking for temporary insurance, just for the next few years, or for the rest of your life. Are you married, have kids, how old are they? Own a home. Have a mortgage. Lots of debt. Close to retirement. Are you looking to use life insurance as a financial tool, to borrow against. Any possibility you are insurable now but won't be later? That happens all the time. A reliable agent can go through all of this with you and find you the right alternatives. Find an agent who listens, not just talks. Gary Lane, Registered Representative, New York Life. Call me. 949 797 2424. Thank you.
The only way to find the life insurance that is right for you, is to tell an agent who you are. Articles and advice on the internet are helpful, but life insurance is much more personal than that. Even the price is based on your age and health. And the type of policy you get depends on your needs, desires, and budget. So it is hard to purchase a policy that is right for you without first sharing that information with an expert who can take it to formulate your best plan.
Licensed Life Agent, Life and Finance/ 50 States, New York
The best Life Insurance depends on the company, the financial needs, and the purpose of buying the policy. If you are the main source of income to your family household, and in the event of a sudden mishap and you are no longer living then life insurance will benefit by paying off any expenses needed to keep the family financially stable, and even pay the funeral expenses since that can cost thousands of dollars. Life Insurance can create a family estate for generations to come with a tax free lump sum payment. To find the best coverages I advise to seek the reputation of the company, financial strength, and history of operation. Many companies with longed histories have lower rates, so, you can receive more benefits for a lower premium. There are hundreds of companies I can work with to find the best coverages for anyone. Some data will need to be taken in order to analyze the need for coverages. I am an independent producer for insurance wbich means that I am able go recommend the best companies with best coverages. I deal with multiple companies and independent producers carry 65% of the industry business.
To determine what Life insurance is best for you contact an Independent agent who will listen and can recommend the most options for the best coverage/premiums based on your specific needs.
It is time well spent , having this conversation to determine to determine what is the best fit for you and your specific needs.
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It is time well spent , having this conversation to determine to determine what is the best fit for you and your specific needs.