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Life Insurance - Why should I buy it? Canada
Reasons.. spouse children.. they need your income
mortgage, car payments expenses don’t die with you
You don’t have to buy expense insurance to achieve your goals.
Frequently asked questions: Why should I buy life insurance? Question and answer from The Hughes Trustco Group Canadian
Duration : 0:1:0
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Tags: buy, canada, canadian, children, debts, expenses, hughes, insurance, life, payments, spouse, trustco, why
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Imagine for a moment you have constant, debilitating headaches. You wake up every day knowing you will experience pain. You go to work: headache. You exercise: headache. You meet friends and, yes, you got it: headache. Now walk a bit farther down this imaginary path. It eventually leads to your charlotte cosmetic dentist and doctor's office. It turns out there is a procedure that with incredible certainty can relieve your pain. Sweet freedom! But wait. It turns out that this procedure costs a pretty penny and it is not covered by your life insurance. Well, how much could it cost, right? The answer: $5,000 to $7,000. Gulp! In reality, thousands of women seeking cosmetic surgery like anti aging skin care wrinkle removal, breast reduction, etc. have found themselves in scenarios very similar to this. These women experience pain, can't afford cosmetic surgery on their own, and don't meet the requirements for coverage laid out by their life insurance carriers. A few recent studies, however, have helped to create a consensus among many cosmetic surgeons that life insurance coverage requirements regarding kai perfume and cosmetic surgery are arbitrary and even unfair. A study published in the September 15, 2007 issue of Plastic and Reconstructive Surgery offers some insight into the situation many women are facing. It finds that life insurance coverage is often denied to those who would experience significant and cheap health insurance benefits from cosmetic surgeries. Currently, most life insurance carriers refuse to cover such as breast reduction procedures in which less than 500 grams of tissue per breast are removed. The problem, according to the study, is that many life insurance carriers fail to review the full range of factors that are in play. Breast reduction procedures in which less that 500 grams of tissue are removed may offer an important reduction in pain and significant quality-of-life benefits to smaller-framed women, the study found.
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Buying life insurance online is easy and can save you lots of time. Here is what to know before you make a purchase. Top ten life insurance purchasing tips:* Don’t wait till you really need the coverage! By that time you will be that much older, you will be sick or you will have encountered a health issue that will cause your premiums to be significantly more than you anticipated. That is of course if you can even qualify for the coverage. * The highest financial rating doesn't necessarily mean better coverage. The important thing is to at least be looking at an “A†rated company. There is little, if any difference between one company''s term policy and another, so basing a decision solely on ratings will not always get you best deal. The highest rated companies tend to be more conservative in their underwriting and attaining the "best available" with them will be a bit more difficult. * Shop online first before you meet individually with an agent. Many online life insurance companies can be a useful source of information and can save you up to 75 percent on your premiums. The reason is of course because they are impartial and are not driven to sell you only one company'product. While searching for the best life insurance, you can also take a quick look on the sports tickets available for the next major league. Who knows today is your lucky day, you can now purchase the cheapest ticket price. * Pay annually if you can afford it. Paying annually can save you up to 20 percent with some companies versus monthly, quarterly or semi-annually. * Don't smoke. If you are trying to save money then being a smoker won't help your cause. However, if you do smoke, most insurance companies will let you re-apply for nonsmoker rates if it has been at least 1 full year from your last usage. * If you have cholesterol or blood pressure issues get it controlled with medication. Insurance brokerage companies don't like to see health issues go unattended. If you are doing something to control it they will likely look at that favorably and give you the benefit of the doubt when it comes to approval time. * If you are considering buying $90,000 of coverage, buy $100,000 instead. Many times it will cost less, the same or just a tad more for additional coverage. Insurance brokerage companies may give breakpoints at $100,000, $250,000, $500,000, $750,000 and $1,000,000. * Read the Prepare for the Medical Exams section before completing your exam. Eating a few Twinkies or calling your stockbroker a half hour before your exam will surely turn your lab results sour and cost you big time!* Obtaining coverage through your company's plan may be a good alternative in the short-run. Many employer's plans, however, are not portable and won't let you continue your coverage if you leave.
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insurance -It turns out that this procedure costs a pretty penny and it is not covered by your life insurance
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Comments on Life Insurance - Why should I buy it? Canada
only to the extent you want the other spouse provided for in the event something happens to either of you…but otherwise, no.
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life insurance is not an investment
if you want to invest money go with a 401K/mutual funds
c'mon people!
unless you are talking about annuities (which are also done by insurance co; then it is a different story and that you'll have to discuss with your insurance broker
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You may still need some. In case there are some "final expenses" that need to be unexpectedly paid. You probably don't need as much as someone who has a mortgage. Also, you may want to increase your coverage once you do have children. You want to be sure their education is secure, even if you aren't around.
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My husband and I have life insurance. We don't pay mortgage or have children, either, but we plan to have a family later. We're both in our very early 20's. The reason we started a life insurance plan so early is because the rates are alot lower and they stick with you as you grow and age. If I would've started the plan at age 18, I would have way lower payments right now. I suggest you do it as early as you can so that you get the best rates that you can =).
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If you plan to get insurance, do it NOW before your rates go up, especially for Term Insurance. (As you get older, the higher the monthly rate)
I suggest some insurance just in case the unfortuante happens to cover medical bills, funeral costs and any other debt that may be outstanding.
Think of it this way, do you want your spouse to be burdened with expenses such as the above if one of you would pass away? What if you both pass together? WOuld you want your parents to be paying all this for you with no help?
Just my thoughts
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You don't have to get $500,000 but it's nice to at least leave your spouse something if something should God forbid happen to you. Remember, there is always probate crap and taxes which get really expensive really fast, thousands of dollars!
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Life insurance is very important, especially if you may have children. The sooner you do it, the lower your costs will be.
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Life insurance is NOT an investment tool, any more than a pair of Prada heels is a good nail hitting tool.
It IS a financial tool, to prepare for certain contingencies IF YOU DIE.
So, set the FINANCIAL GOAL, and then find out what tool fits it best, at the least cost to you. Don't ruin a pair of Pradas over this.
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agent, 21+ years
Honestly, the younger you are when you purchase Life Insurance, the better it is.
You could buy an Universal Life Insurance Policy. This is what I call "Insurance as an Investment". If you die, your Spouse and future family are taken care of; if you don't die, you could be enjoying a Tax Free Source of Income at retirement.
Let me explain.
You would pay a regular premium payment per month or per year. You would have an Investment Portion of your premium growing Tax-Deferred (No tax paid on the cash growing) inside your Insurance Policy. Then, when you want to retire, take your policy to a Bank and get a loan for up to 90% of the cash inside. You use the Cash inside your joint insurance policy as collateral, and now the Loan is a Tax Free Source of Income at Retirement (or earlier) in combination with things like a pension and RRSP's.
I do this every day for my clients…
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Myself.. I'm a Licensed Insurance Advisor in Saskatchewan.
http://services.rbcinsurance.com/joel.sopp
Life insurance is an important part of your investment portfolio for several reasons, and the younger you start the better. First, it provides financial peace of mind in the event of an unforseen tragedy…ability to maintain your current lifestyle. Second, it's a great way to passively save money over time. Third, the cash value of your life insurance policy is an asset that you can leverage for other financial investments or starting a business down the road…you can borrow against it or use the cash value for collateral. Finally, it's the cheapest money you can buy. Consult a seasoned Insurance agent to discuss the plan that works best for your personal financial goals.
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Life insurance provides financial protection for your family if you die.
Whole life insurance may provide protection your entire life and build cash value within the policy; however, it costs much more than term life insurance, for someone your age.
Term life insurance can provide protection for 10, 15, 20 or 30 years, until your future kids are out of college, for example and the mortgage is paid off.
Term life offers the maximum amount of protection at the lowest cost for young families on a budget.
By saving on your life insurance costs, you can take other monies and place them in an interest-bearing account of mutual fund for long-term growth.
Here's how term lfie insurance works:
Term life insurance lasts for a specific number of years, usually 10, 15, 20 or 30 years. The most common terms are 10 years or 20 years.
Term life insurance policies pay the beneficiary the face amount of the life insurance policy if the insured person dies during the term of the policy. For example, a 15-year term life policy with a face amount of $250,000 would pay $250,000 to the beneficiary if the insured died any time during those 15 years.
Usually, term life insurance costs less than permanent life insurance.
At the end of the policy term, the insured is no longer insured, and a death benefit is no longer paid. Some term life insurance policies are renewable, or can be converted to permanent life insurance.
Term Life Insurance Has Three Standard Features:
Level
Usually, the annual premium for the policy paid by the insured stays the same each year. The face amount of the policy also stays the same. Level term life insurance policies can usually last up to 30 years.
Convertible
Before the end of the term for the policy, the life insurance policy owner may be able to convert the term life insurance into a permanent life insurance policy. The owner usually has a specific number of years during the term life insurance policy to convert the policy. The premiums usually increase for the permanent life insurance.
Renewable
Term life insurance policies that are renewable offer the owner the option of renewing the life insurance policy at the end of the policy term, up to a specific age limit (usually age 65 or 70).
For example, a 15 year policy may be renewed for another 15 years. If the policy is renewed, a medical exam may be required. The term life insurance premium will usually increase when the policy is renewed.
Make sure to compare life isnurance quotes from several companies before you buy, because rates may vary by up to 50% or more between insurance companies.
You can get free, no obligation quotes from efinancial at https://www.efinancial.com/smartquoteefc.aspx?source=389-707-1
You fill out one form and they give you up to 12 instant quotes for term life insurance from top-rated insurance companies. You can get instant quotes for you and your wife. If you like your quotes, you can even apply online with no obligation to buy.
I hope that helps! Best of luck to you and your wife.
References :
18 years experience in the Insurance Industry.
Source: http://www.term-life-online.com
Your not going to be any younger than what you are now. and the older you are the more expencive it gets. i would think if your seriously concedering getting it you should even if right now you dont have a direct need. but when the time comes that you think you might need it the price would be alot higher.
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It depends on your needs and goals. Are you both self-supporting? If so, then you only need enough insurance to cover the cost of a funeral a burial. If either of you depends on the other’s income to meet expenses, however, then you might need more. The idea is that you do not want your life turned upside down financially should you lose your spouse. You will have enough to deal with emotionally, if that were to happen. You would want enough life insurance to make up for the lost spouse’s income for a period of years—5 to 7 is probably enough—so you can adjust to the loss without giving up your lifestyle. This will become even more important when you buy a home and have children, of course. The same principle will apply, but you will have to increase the amounts to cover raising the kids and paying for college. As for the investment option, it depends on your investment style. If you are disciplined and a savvy investor, you can probably do better by saving the difference between term life and whole life premiums and investing the money on your own. If you are not very good at saving, have no investment knowledge or interest, and want a simple, secure vehicle for saving with a small, guaranteed return, then you might consider a whole life policy.
References :
http://www.goarticles.com/cgi-bin/showa.cgi?C=673729
http://www.lifeinsurancewiz.com/
Thanks…. we …
Thanks…. we thought it would be a nice way to show people about life insurance
Good video.. this …
Good video.. this explains why you should have life insurance, if you don’t already