Sentences with phrase «actual life insurance needs»

I have always been an advocate of buying a term length, or multiple term policies that reflect your actual life insurance needs with different term lengths.

We suggest you use a term life insurance calculator to help you quickly and easily determine your actual life insurance needs.

Your total assets calculation will be subtracted from your total financial obligations in order to determine your actual life insurance needs.

This figure will be subtracted from your total financial obligations in order to determine your actual life insurance needs.

Not exact matches

Often people use the old formula of four times their yearly income to determine how much life insurance they need, and this is a poor substitute for actual analysis of your situations and options.

After all, the actual need for life insurance is not fixed — it actually varies based on your age and circumstances.

If you look at the above graph and compare the blue line (the cost of life insurance on a yearly basis) with the white line (permanent insurance, premiums level for life), you'll see that in the early years, the whole life premiums far exceed the actual cost of insurance — the company is taking in premiums far higher than they need.

This is one of the big reasons why term life insurance is a better value than whole life — you can match coverage with actual financial need.

I do not believe that life insurance makes a good investment, especially for us, as we have no need for actual life insurance.

By using our easy - to - use life insurance needs calculator, you can quickly get an actual estimate in just seconds.

To get the help you need to review actual term life insurance costs for your age and health profile, contact an independent agent in the Trusted Choice network who specializes in life insurance.

On the other hand, the worse your health the more you may want and need the actual life insurance coverage to protect your family.

There's no question that the actual need for life insurance by single parents is, at a minimum, equal to married parents, if not greater.

Also, should the time come to file a claim on a life insurance policy, the beneficiary will need to contact the actual insurance company — not Progressive — to file a claim and collect the benefits.

If you look at the above graph and compare the blue line (the cost of life insurance on a yearly basis) with the white line (permanent insurance, premiums level for life), you'll see that in the early years, the whole life premiums far exceed the actual cost of insurance — the company is taking in premiums far higher than they need.

With that in mind, the best type of life insurance to purchase may depend on your actual age at the time you apply for a policy as well as the specific need that you are covering.

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So, over time, you can increase your coverage as your income increases, to meet your actual need for life insurance.

You see, for individuals who have been diagnosed with hereditary nephritis, traditional life insurance policies simply aren't an option which is why we need to pursue alternative options which consider an applicant's actual health in the «underwriting» process.

Often people use the old formula of four times their yearly income to determine how much life insurance they need, and this is a poor substitute for actual analysis of your situations and options.

Still other people consider they may not be able to are eligible for life insurance plan protection due to the fact they would not successfully pass a actual physical exam needs to get protection.

The advantages of EIUL or equity indexed universal life are that the components of 1) admin costs, 2) cost of actual life insurance, and the cash value are all segregated so you can see how they are growing and what you'll need to earn in order to pay for your cost of life & admin each year.