We'll help you navigate the travel
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Insurance Maze, I completely agree with you.
Taking
Insurance Maze's 30 yr old Male: January 14, 2009 Interest Adjusted Cost Analysis Face Amount: (1) 100,000.00 (2) 100,000.00 Product 1: Term 20 yr Product 2: Whole Life Interest Rate: 5.00 % Tax Rate: 0.00 % (Assuming investment in tax deferred vehicle) After Tax Rate: 5.00 % Year Age Premium 1 Premium 2 1 minus 2 Premiums Saved 1 30 127.00 1,056.00 -929.00 -975.45 2 31 127.00 1,056.00 -929.00 -1,999.67 3 32 127.00 1,056.00 -929.00 -3,075.11 4 33 127.00 1,056.00 -929.00 -4,204.31 5 34 127.00 1,056.00 -929.00 -5,389.98 6 35 127.00 1,056.00 -929.00 -6,634.93 7 36 127.00 1,056.00 -929.00 -7,942.12 8 37 127.00 1,056.00 -929.00 -9,314.68 9 38 127.00 1,056.00 -929.00 -10,755.86 10 39 127.00 1,056.00 -929.00 -12,269.11 11 40 127.00 1,056.00 -929.00 -13,858.01 12 41 127.00 1,056.00 -929.00 -15,526.36 13 42 127.00 1,056.00 -929.00 -17,278.13 14 43 127.00 1,056.00 -929.00 -19,117.49 15 44 127.00 1,056.00 -929.00 -21,048.81 16 45 127.00 1,056.00 -929.00 -23,076.70 17 46 127.00 1,056.00 -929.00 -25,205.99 18 47 127.00 1,056.00 -929.00 -27,441.73 19 48 127.00 1,056.00 -929.00 -29,789.27 20 49 127.00 1,056.00 -929.00 -32,254.18 21 50 293.00 1,056.00 -763.00 -34,668.04 22 51 293.00 1,056.00 -763.00 -37,202.60 23 52 293.00 1,056.00 -763.00 -39,863.88 24 53 293.00 1,056.00 -763.00 -42,658.22 25 54 293.00 1,056.00 -763.00 -45,592.28 26 55 293.00 1,056.00 -763.00 -48,673.05 27 56 293.00 1,056.00 -763.00 -51,907.85 28 57 293.00 1,056.00 -763.00 -55,304.39 29 58 293.00 1,056.00 -763.00 -58,870.76 30 59 293.00 1,056.00 -763.00 -62,615.45 31 60 293.00 1,056.00 -763.00 -66,547.37 32 61 293.00 1,056.00 -763.00 -70,675.89 33 62 293.00 1,056.00 -763.00 -75,010.83 34 63 293.00 1,056.00 -763.00 -79,562.52 35 64 293.00 1,056.00 -763.00 -84,341.80 36 65 293.00 1,056.00 -763.00 -89,360.04 37 66 293.00 1,056.00 -763.00 -94,629.19 38 67 293.00 1,056.00 -763.00 -100,161.80 39 68 293.00 1,056.00 -763.00 -105,971.04 40 69 293.00 1,056.00 -763.00 -112,070.74 41 70 2,477.00 1,056.00 1,421.00 -116,182.23 42 71 2,477.00 1,056.00 1,421.00 -120,499.29 43 72 2,477.00 1,056.00 1,421.00 -125,032.21 44 73 2,477.00 1,056.00 1,421.00 -129,791.77 45 74 2,477.00 1,056.00 1,421.00 -134,789.31 46 75 2,477.00 1,056.00 1,421.00 -140,036.72 47 76 2,477.00 1,056.00 1,421.00 -145,546.51 48 77 2,477.00 1,056.00 1,421.00 -151,331.78 49 78 2,477.00 1,056.00 1,421.00 -157,406.32 50 79 2,477.00 1,056.00 1,421.00 -163,784.59 51 80 2,477.00 1,056.00 1,421.00 -170,481.77 52 81 2,477.00 1,056.00 1,421.00 -177,513.81 53 82 2,477.00 1,056.00 1,421.00 -184,897.45 54 83 2,477.00 1,056.00 1,421.00 -192,650.27 55 84 2,477.00 1,056.00 1,421.00 -200,790.73 56 85 2,477.00 1,056.00 1,421.00 -209,338.22 57 86 2,477.00 1,056.00 1,421.00 -218,313.08 When comparing the rates of two different Life Insurance products it is important to take into consideration the «time value» or «opportunity cost» of money.
As
insurance Maze said... there is not one answer for this question.
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Posted in AARP, customer service,
insurance, life
insurance, life
insurance claim Tagged 29 day refund is AARP standard practice, 4 - 6 week refund is AARP policy, AARP, customer service
maze, customr service at AARP, cut off several times, get out of paying legitimate claims,
insurance, life
insurance, medicare supplement, not sure how long a couple of days will be, over 50 life
insurance, refund in a couple of days, refund takes 4 - 6 weeks, refund unearned premium, serving the elderly is BS, slow paying refunds, worst service organization in the world