Do You Really Need Life Insurance
0 views
Skip to first unread message
Geo Clark
Jan 20, 2015, 12:15:14 PM1/20/15
to publish-the...@googlegroups.com
*****************************************************************
Message delivered directly to members of the group:
publish-the...@googlegroups.com
*****************************************************************
Please consider this free-reprint article written by:
Geo Clark
*****************************
IMPORTANT - Publication/Reprint Terms
- You have permission to publish this article electronically in free-only publications such as a website or an ezine as long as the bylines are included.
- You are not allowed to use this article for commercial purposes. The article should only be reprinted in a publicly accessible website and not in a members-only commercial site.
- You are not allowed to post/reprint this article in any sites/publications that contains or supports hate, violence, porn and warez or any indecent and illegal sites/publications.
- You are not allowed to use this article in UCE (Unsolicited Commercial Email) or SPAM. This article MUST be distributed in an opt-in email list only.
- If you distribute this article in an ezine or newsletter, we ask that you send a copy of the newsletter or ezine that contains the article to http://www.isnare.com/eta.php?aid=1923127
- If you post this article in a website/forum/blog, ALL links MUST be set to hyperlinks and we ask that you send a copy of the URL where the article is posted to http://www.isnare.com/eta.php?aid=1923127
- We request that you ask permission from the author if you want to publish this article in print.
The role of iSnare.com is only to distribute this article as part of its Article Distribution feature ( http://www.isnare.com/distribution.php ). iSnare.com does NOT own this article, please respect the author's copyright and this publication/reprint terms. If you do not agree to any of these terms, please do not reprint or publish this article.
*****************************
Article Title: Do You Really Need Life Insurance
Author: Geo Clark
Word Count: 551
Article URL: http://www.isnare.com/?aid=1923127&ca=Opinions
Format: 64cpl
Contact The Author: http://www.isnare.com/eta.php?aid=1923127
Easy Publish Tool: http://www.isnare.com/html.php?aid=1923127
*********************** ARTICLE START ***********************
Does anyone really need life insurance? The answer is yes along with a it depends. It depends on what your family and personal needs are. Just about everyone needs some type of life insurance. We have to get car insurance and home owners insurance because it is a requirement. It would make sense to insure the breadwinner. If the paycheck goes away, how do all of the bills get paid?
Everyone has a different answer because , again, it depends. On the financial services side, life insurance makes people think about death. Yes, it is going to happen and there is no guarantee of today. Young folks will tell you that they will get it later. If you are 21 and in perfect physical condition, 21 is a great time to get insurance. Insurance rates are primarily based on health. If you have high blood pressure, diabetes, or another medical condition, it is tougher to get a good rating for an insurance policy. You may get insurance but pay a higher premium. If you are young and healthy, in most cases, you can get a high dollar insurance policy at a low rate. For those that do this, you will look back on it and remind everyone how smart you were.
As you get older, even if you stay healthy, the rates will get higher. On television, you see a lot of commercials on guaranteed rates. Those rates can be high as the people that would get a high insurance rating still pay that guaranteed rate which doesn’t factor in what a persons health is. Simply put, a healthy person can potentially pay a very high insurance premium.
Most insurance policies, varies by state, have a free look period. When you process and make a payment on an insurance policy, you still have to get it approved. While you are waiting for approval process, you still have coverage as long as you made the initial payment on your policy. If it processes and the payment is too high, you can cancel the policy. You will receive refund for initial payment. There are times where the payment is lower. There is definitely a benefit to go through the process.
Your health screening for your policy is normally good for one year. If you got the best rating and low premium, you can use the screening again if you need more insurance. My example is myself. I am going to add a permanent life policy to my other insurance policies. I currently have the third best rating. Last month, I was diagnosed with diabetes type 2. I already have treated high blood pressure. Since I have a policy that was placed within the year, I can request to use the screening from last year. This allows me to keep a good rating and secure a decent premium. Otherwise, I am sure my premium will be higher or I may not qualify for insurance. Once again, it depends.
I would definitely say to get at least get information. You can shop around for best rates just like for car insurance. It makes sense to get life insurance to protect your assets . It also makes sense to get it while your age and health keeps the premiums low.
*********************** ARTICLE END ***********************
- To distribute your articles go to http://www.isnare.com/distribution.php
- For more free-reprint articles go to http://www.isnare.com
Message delivered directly to members of the group:
publish-the...@googlegroups.com
*****************************************************************
Please consider this free-reprint article written by:
Geo Clark
*****************************
IMPORTANT - Publication/Reprint Terms
- You have permission to publish this article electronically in free-only publications such as a website or an ezine as long as the bylines are included.
- You are not allowed to use this article for commercial purposes. The article should only be reprinted in a publicly accessible website and not in a members-only commercial site.
- You are not allowed to post/reprint this article in any sites/publications that contains or supports hate, violence, porn and warez or any indecent and illegal sites/publications.
- You are not allowed to use this article in UCE (Unsolicited Commercial Email) or SPAM. This article MUST be distributed in an opt-in email list only.
- If you distribute this article in an ezine or newsletter, we ask that you send a copy of the newsletter or ezine that contains the article to http://www.isnare.com/eta.php?aid=1923127
- If you post this article in a website/forum/blog, ALL links MUST be set to hyperlinks and we ask that you send a copy of the URL where the article is posted to http://www.isnare.com/eta.php?aid=1923127
- We request that you ask permission from the author if you want to publish this article in print.
The role of iSnare.com is only to distribute this article as part of its Article Distribution feature ( http://www.isnare.com/distribution.php ). iSnare.com does NOT own this article, please respect the author's copyright and this publication/reprint terms. If you do not agree to any of these terms, please do not reprint or publish this article.
*****************************
Article Title: Do You Really Need Life Insurance
Author: Geo Clark
Word Count: 551
Article URL: http://www.isnare.com/?aid=1923127&ca=Opinions
Format: 64cpl
Contact The Author: http://www.isnare.com/eta.php?aid=1923127
Easy Publish Tool: http://www.isnare.com/html.php?aid=1923127
*********************** ARTICLE START ***********************
Does anyone really need life insurance? The answer is yes along with a it depends. It depends on what your family and personal needs are. Just about everyone needs some type of life insurance. We have to get car insurance and home owners insurance because it is a requirement. It would make sense to insure the breadwinner. If the paycheck goes away, how do all of the bills get paid?
Everyone has a different answer because , again, it depends. On the financial services side, life insurance makes people think about death. Yes, it is going to happen and there is no guarantee of today. Young folks will tell you that they will get it later. If you are 21 and in perfect physical condition, 21 is a great time to get insurance. Insurance rates are primarily based on health. If you have high blood pressure, diabetes, or another medical condition, it is tougher to get a good rating for an insurance policy. You may get insurance but pay a higher premium. If you are young and healthy, in most cases, you can get a high dollar insurance policy at a low rate. For those that do this, you will look back on it and remind everyone how smart you were.
As you get older, even if you stay healthy, the rates will get higher. On television, you see a lot of commercials on guaranteed rates. Those rates can be high as the people that would get a high insurance rating still pay that guaranteed rate which doesn’t factor in what a persons health is. Simply put, a healthy person can potentially pay a very high insurance premium.
Most insurance policies, varies by state, have a free look period. When you process and make a payment on an insurance policy, you still have to get it approved. While you are waiting for approval process, you still have coverage as long as you made the initial payment on your policy. If it processes and the payment is too high, you can cancel the policy. You will receive refund for initial payment. There are times where the payment is lower. There is definitely a benefit to go through the process.
Your health screening for your policy is normally good for one year. If you got the best rating and low premium, you can use the screening again if you need more insurance. My example is myself. I am going to add a permanent life policy to my other insurance policies. I currently have the third best rating. Last month, I was diagnosed with diabetes type 2. I already have treated high blood pressure. Since I have a policy that was placed within the year, I can request to use the screening from last year. This allows me to keep a good rating and secure a decent premium. Otherwise, I am sure my premium will be higher or I may not qualify for insurance. Once again, it depends.
I would definitely say to get at least get information. You can shop around for best rates just like for car insurance. It makes sense to get life insurance to protect your assets . It also makes sense to get it while your age and health keeps the premiums low.
*********************** ARTICLE END ***********************
- To distribute your articles go to http://www.isnare.com/distribution.php
- For more free-reprint articles go to http://www.isnare.com
Reply all
Reply to author
Forward
0 new messages