I want to buy a 30 years fixed term life insurance. Where can I buy the policy not spending lots of money?
2006-06-19 18:43:09 · 10 answers · asked by Anonymous in Business & Finance ➔ Insurance
a 30 yr term policy is not a good choice--you will overpay the premium the first 15 yrs, and underpay the 2nd 15 yrs, to get a level premium.. a better choice would be ART, annually renewable term..this is more a pay-as-you go premium..it increases some every yr, yet you don't overpay in the early yrs to get a level premium..also, you can renew it for as long as you want to keep the policy.. much more flexible, and a better value, premium wise..look for an Independent Insurance Agent in the yellow pages, under life insurance.. that is someone who represents several different companies..he/she will search out the best value for you, based on your circumstances.. any other ??..holler back at me..good luck to you..i am a retired Independent Insurance Broker for life and health insurance, and a retired CPA, CFP, & LUTCF also.....
2006-06-20 06:44:10 · answer #1 · answered by morris the cat 7 · 1⤊ 2⤋
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2014-06-09 01:39:02 · answer #2 · answered by kumar 2 · 0⤊ 0⤋
Call an independent agent and they will give you rates for multiple companies. Ask about a return of premium rider, they will refund most of your premium if the policy never pays out.
AIG got sued by the government last year for bad business practices
2006-06-19 18:55:22 · answer #3 · answered by jbjefferies 3 · 0⤊ 0⤋
I suggest you to try this web page where you can compare quotes from the best companies: http://INSUREFOREVERYBODY.INFO/index.html?src=2YArfzdiME38
RE :Cheapest Term Life insurance policy?
I want to buy a 30 years fixed term life insurance. Where can I buy the policy not spending lots of money?
Follow 9 answers
2016-09-09 18:20:40 · answer #4 · answered by Rickert 6 · 0⤊ 0⤋
Find an independent agent who is licensed in your state. You did not post some critical information - your build, health etc.
By the way, there is more to insurance than just finding the cheapest price.
Good Luck
2006-06-20 01:16:42 · answer #5 · answered by insuranceguytx 5 · 0⤊ 0⤋
Does anyone still SELL 30 year term? 20 years is the longest term I've seen.
2006-06-20 02:26:24 · answer #6 · answered by Anonymous 7 · 0⤊ 0⤋
Dave Lee and Mike Roberts posted the same question. You should read their answers side by side.
2016-08-23 00:10:18 · answer #7 · answered by Anonymous · 0⤊ 0⤋
Libery Life or RBC
2006-06-20 02:37:59 · answer #8 · answered by Bluedetroitgirl 3 · 0⤊ 0⤋
That's a good question
2016-07-27 02:53:09 · answer #9 · answered by ? 3 · 0⤊ 0⤋
Genworth Financial or AIG. depends on your age, health, and smoking status. If you need rates, I can refer you to someone I know.
2006-06-19 18:49:46 · answer #10 · answered by tigertiggerii 3 · 0⤊ 0⤋