Life Insurance Rates Term

Posts Tagged ‘term life insurance policy’

My father is 60, smoker and taking Zocor. Normal weight. The quotes I have seen for a 10 yr term for $150,000 are $180 a month. Does that seem right? Anyone know a cheaper one? Basically I inherit the house while my relative gets the cash, so it’s all fair. I would make the payments and leave my relative as the beneficiary. Thanks
the reason I have to get the life ins is because he is leaving me the swanky $400K California home. Meanwhile I have to give my sister $150K in cash to make it even (per my father). Since I don’t have that kind of cash (I’m 35) I need life ins now in case he passes away this decade. My father wants me to take out a 2nd mtg upon his death, but I told him that would add $700 monthly to the existing mortgage payment for 30 years (I pay that too) so I’d rather pay $200 for 15 years now. Oh and he’s on board. He knows I would have to sell the house to pay off my sister, so this is the only way to have the cash. All good answers! I will probably get a 15 year term and worry about what I’ll do if he lives to be 75.
in the history of may family 1 male lived past 70. that’s why I think if I insure him till 75 I’l be fine. The L.A. house is worth $400K but we owe $80K. I’ll have no problem paying the mtg and bills, since I do it now. However if he died tomorrow, and I owed my sis $150K, I’d be screwed and have to sell. All the answers are taking into account that he’ll live past 75 and I should save the money instead, but I’m worried about him getting by a bus tomorrow and me having to sell the house. I don;t want the cash, I want to keep the house. I graduated high school from that house

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…and it cost $5717.28 is that what I’m supposed to pay monthly or yearly or for the whole 20 years?
I have high blood pressure. but it’s controlled since i’m taking medicine and eating healthy.
I have one son from previous marriage. I’m 49 years old.

I am interested in a term life insurance policy for myself and mywife. We are 50 and 51 years of age and in overall good health.We are both overweight according to Farmers insuranceguidelines. Everything was fine with regards to our health exceptfor their restrictions about the weight issue.My question: What are we supposed to do in order to be insuredwith a reputable company ?We would be willing to pay a higher premium if necessary.Could you Please recommend some insurance companys thatprovide flexibility with regard to weight.

I currently have a term life insurance policy and am considering converting it to a whole life policy. I’m married with no kids. My wife has her own life insurance and retirements already in place. We are not going to have children. The main reason I was interested in the Whole Life was the investing portion to supplement my current mutual fund retirement. Should I pay the extra premiums for the Whole life or should I keep the term life and put the extra money into a Roth IRA? Any advice would be great. Thank you

I need a small at least term life insurance policy becasue I have no assests and know my children can not afford my burial etc.. However I have had and do have numerous medical problems which means I will either get denied or rated so high I may not be able to afford it.. Any suggestions or where to start.. Thanks

Hi,

I am paying $97.21/month for a ROP (Return on Premium) term life insurance policy of $750K for 30 years with State Farm. So at the end of my 30 years, I will be getting back $34,995.60 ($97.21 x 360).

Do you think this is a good quote for the term and price?
But I would still have to pay 25% tax rate which comes out to $40,000 which is still greater than $35,000.
Because I was thinking of investing the difference in Mutual Funds. I’m already maxing out my Roth IRA.

My husband and I currently have a 20 year term life insurance policy. We are switching companies because we were paying too much at State Farm. I’m 30 and he is 33 and we are both in very good health. We have a 9 month old baby boy and our policies are for $500,000 each. The rate I’m getting is $45 for both of us for the 20 year term and $70 for both of us for the 30 year term. Which one should I go with?
I know it will be expensive to get a new policy in 20 years when it expires but won’t it be even more expensive when i have to get a new policy in 30 years when i’m 60?

Any suggestions on finding a reasonable life insurance policy for a man 54 about to turn 55 in a month with a spouse would be appreciated.

He has a soon to expire term life insurance policy at the present.

He wants the best for his money.

Is a term insurance policy still the best type of policy or would another policy be better?