There are literally ten’s of thousands of life insurance companies wanting to compete for your business online every day. With that said how can you choose? How do you find the most affordable life insurance rates with the best coverage? The top life insurance companies differ from each other when it comes to pricing. There are tons of factors that go into your final selection.
One of the biggest, is which companies are going to rate you in the preferred or cheaper category based on your current health and lifestyle. The difference between pricing can be small from company to company but the difference in category can be huge. Another big factor in choosing the right company is the time it will take for your policy to go into effect.
Some life insurance companies can take several months for a policy to go into effect due to underwriting and different processes. Don’t overly concern yourself with this though as a good independent life agent will who works with many companies will know the ins and outs of each company and can help you choose the best one.
Don’t rely on speculation when it comes to choosing the right insurance company for you and you family. Instead, just take a look at what other consumers say about the best life insurance companies available today. You can accomplish this with a quick online search and read through reviews on any company that you might be interested in doing business with. This is also a great and quick way to find competitive online life insurance rates for yourself.
Here are a few of the top rated companies to get you started. Newyorklife.com Metlife.com Prudential.com Johnhancock.com Primerica.com
A confusing fact for many people in search of a life insurance policy. Which is the right one for me? Well first before you decide anything let’s go over the difference between the two most popular, term life insurance and whole life insurance. Term life is just your basic life policy and often the most popular. A term policy is life coverage only, on the death of the insured it pays the face amount to the beneficiary named on the policy.
Now whole life is a little different, it’s a combination of term and an investment component. The investment portion could be in bonds, money market accounts or stocks. Basically the policy builds cash value that you can borrow against. Whole life insurance is much more expensive than term because your not only paying for the insurance but aspect but also the investment portion too. The three most common types of whole life are traditional whole life, universal and variable life insurance.
Even though whole life is much more expensive that’s not to say it’s a bad idea. Wealthy people can use a whole life policy in their estate planning by setting up an insurance trust that will pay their estate taxes with the policy proceeds. If your looking for whole life or term life coverage make sure your doing your research on a professional and well respected company to go with.
You want some assurance that the company you choose will be around incase you aren’t. For life insurance companies you can do a quick search on the internet and read thousands of reviews of all the major players in the life insurance game before you decide on a company. Do a quick search and get some standard rates so you can get a feel for what kind of premiums you will be looking at. You can get an instant term life insurance quote by clicking here.
Can you imagine health insurance being sold door-to-door? On the phone? Via snail mail, flyers and posters? That is the way it used to be sold. Now, you just go online and enter a search term for the kind of health insurance you are interested in, and suddenly, a whole world of insurance companies are at your beck and call, waiting for you to ask for a quote. It’s much easier than it used to be to get information as well, since most of what you need to know is right on the website. What you don’t see, just call the contact number or email them and ask questions.
Health insurance is still the number one thing you need to have in your life, aside from your friends and family. Without it, you are out on a limb should you need medical care. Back then, things were not as expensive as they are now, and if you ever got slapped with a $30,000 bill for medical care, you’d be hard pressed to pay for it, and that is a smaller amount. Imagine what heart surgery would cost? Take your life seriously, because no one else will. Get health insurance now.
To learn more and get a health insurance quote, visit https://www.benepath.com
Thinking that health insurance might be a good idea since your best buddy just got hammered in a car accident and will be in hospital for several months recovering? He had no health insurance and his bills are the stuff nightmares are made of. He is kicking himself now for not having insurance, because he thought he could save the money. He did save money alright, but it won’t do him much good now, not when a one day stay in hospital and his initial care will total well over $4,000. Scary isn’t it? It’s the wake-up call you never expected and time to get serious about protecting your own health. Start now by going online and surfing several insurance websites. Get any idea of what is out there. Write stuff down. Ask questions and get what you need to know to make an informed decision. You never want to be in the same place your buddy is in.
To learn more and get a health insurance quote, visit https://www.benepath.com
Being morbidly obese is tough on you health wise, but then you already know that, because that is all you hear when you go to the doctor. Whether you got to that weight due to lifestyle choices or genetics or other circumstances, you still need to have some form of insurance. Most companies look at your sideways and suggest your premiums will be very high because of your weight, implying without directly saying that it must have been your choice to be that heavy. This isn’t the case in many instances, but those who deal with obesity have a tough time getting reasonably priced insurance.
The reason for that is because the more you weigh, the greater your chances for serious medical complications. Yes, the same thing your doctor has been telling you for years. The more you use the system, the higher your premiums will likely be, as the insurance company is footing part of your bills and don’t want to lose money on you.
If you do get insurance, be prepared to pay extra. It is what it is. If you do not, you might want to look into the Pre-Existing Condition Insurance Plan (PCIP), a temporary program, bridging the gap between now and 2014. At that time, it will be illegal to discriminate against those with pre-existing conditions.
To learn more and get a health insurance quote, visit https://www.benepath.com
It isn’t hard to do an online search for health insurance. It’s just frustrating if you do not have a list to work with when you get online. Never surf without a list of what you need to have to be completely covered. List everything you can think of, from what budget amount you want to stick with to what you want to pay for a deductible. Have a list of all the medications you take, write out how often (on average) you see a doctor every year, whether you want to stay with your current doctor or not, and what other items you want to add to your health insurance policy.
It is always smart to be prepared when you ask for instance quotes and it makes the process easier to have what you want spelled out. Use the same information for all the companies you ask for a quote, that way you can compare apples and apples, not apples and oranges. Just chunk the information down into smaller amounts and go from there. When in doubt about something, call the agent directly. That’s what they are there for.
To learn more and get a health insurance quote, visit https://www.benepath.com
Health insurance policies are not all the same, although they may be similar in many respects. While the basics may be the same from policy to policy, there are other items that are applicable only to the person who is buying the policy. For this reason it is not a good idea to take the time to read your policy.
Or if you aren’t up to doing that, thinking the legal mumbo jumbo is too much to understand, ask the insurance agent for a capsule summary of what you need to know. For instance, what does the policy cover and not cover, what is the co-pay, what is the deductible, what else is covered and so forth. Just don’t make the mistake that many people make of not knowing what their policy says and finding out later what they thought was in it, was not.
To learn more and get a health insurance quote, visit https://www.benepath.com
Some think health insurance is a luxury. Others feel it is too expensive for what it provides. Some see the value and have it, because they know if they got hurt or sick, they would need the help. Is there are right or wrong choice to make when it comes to health care? Many argue they have no money to buy it and have to do without. Those very people are the ones who get into a jam when they need medical care, have no insurance and have to foot the total medical bill. They can’t do it. Across the nation, there are ever increasing numbers of people going bankrupt over their inability to pay their medical bills in combination with their other debts.
Bankruptcy or health insurance that helps defray costs in bad situations? Finding the extra money each month to pay for health insurance may be one of the wisest moves you even make. While you could gamble and say you are in good health, what happens if you go to work one day and get hit by a semi? Without insurance, your only recourse is suing and a long, cash strapped wait for justice. You up for that?
To learn more and get a health insurance quote, visit https://www.benepath.com
Listen in on coffee row across the nation, and find out that one of the biggest, ongoing debates deals with whether or not to get health insurance now, later or not at all. Some think now is better, because there are good deals to be had and competition is a good thing. Others say why not wait until 2014 and get what’s going, but who really knows that that will be? And then, there is a group that thinks not buying insurance will save them big bucks. Not so.
Is there a right and wrong choice here? Not really. It is still up to the individual to choose what works for them. However, if they end up in an accident, and do not have health insurance, they usually wish they had taken it out, no matter what the expense, because they can’t pay the bills. So really, the issue is whether or not you can afford to pay for unexpected medical bills. Most people without insurance can’t, which creates a problem for them. While is it their choice, Americans really can’t afford to not have insurance.
To learn more and get a health insurance quote, visit https://www.benepath.com
This is always a very tough situation to be in. Finding out that you are addicted to drugs is a devastating thing to come to terms with, but more than that, it puts you at high risk for other complications. Being addicted to a drug has far reaching consequences and a brutal effect on your body. If the drug of choice is cocaine, heroin or perhaps bath salts, your body is in no shape to stay healthy. You see more doctors more often, when you are lucid enough to do so. Your world is falling apart; your health going downhill. You lose your insurance or can no longer get anyone to insure you. Why?
The answer is that insurance companies do not typically insure those who indulge in self-destructive behaviors. Those who do so then make more demands on the health care system and the price of care creeps up over time. High risk individuals are too risky to insure, as the company would take a loss of them. While that may sound morally bankrupt of the insurance company to leave a person out on a limb, the choice to be there is theirs, and since the insurance company is running a business, their preferred customer is a healthy one that takes care of themselves.
To learn more and get a health insurance quote, visit https://www.benepath.com
