Right Type And Amount Of Coverage
Buying the right life insurance coverage involves much thought and sometimes some research. You not only need to give ample consideration as to how much you need and want to buy but you also have to examine the the type of policy. There are several.
Although most life insurance companies are reputable there are a few that stand out. You, of course, want to do business with the best. These companies will give you the best available life insurance coverage.
How Much Life Insurance Coverage Should You Buy?
There is no blanket answer to that question as each persons situation is different. If you are a single person your need is definitely different from the need of a married person. There is also a difference if you have children, or any dependent, or not.
If you are in business your need for life insurance will also be different. Here is a list of pages that will give you an idea of the different needs for life insurance coverage. You can use the information to help you determine your needs.
- Family Protection
- Single Person
- Single Parent
- One Parent Working
- Both Parents Working
- Burial Insurance
- Business Life Insurance
- Buy-Sell Agreements
- Sole Proprietorship Insurance
- Partnership Insurance
- C-Corporations And Life Insurance
- S-Corporations And Life Insurance
- Limited Liability Companies And Life Insurance
- Key Employee Life Insurance
- Retirement Planning
Types Of Life Insurance Policies
Deciding what type of life insurance policy to buy depends on the need the policy will fulfill and the amount of money you are prepared to put out for your policy. If you need a policy with only coverage in mind, by that I mean death benefit, then a term policy may be your best bet. If you want to accumulate a little cash then a permanent policy may be best. Here is a list of some of the more popular policies from which you can choose. You will also get a brief description of each.
Term Policies
- Yearly Renewable Term Life Insurance
- Decreasing Term Life Insurance
- 5 Year Term Life Insurance
- 10 Year Term Life Insurance
- 15 Year Term Life Insurance
- 20 Year Term Life Insurance
- 25 Year Term Life Insurance
- 30 Year Term Life Insurance
Permanent Policies
- Universal Life Insurance
- Variable Universal Life Insurance
- Variable Life Insurance
- Whole Life Insurance
- Limited Payment Life Insurance
- Single Premium Life Insurance
- Graded Premium Life Insurance
Life Insurance Companies
There are more than 2000 life insurance companies that are operational at the present time. For you to examine all of them before you make a decision on the best coverage would be quite a task. Here is a list of some of the best.
- AllState
- American Family Insurance
- Farmers Insurance Group
- Genworth Financial
- Jackson National Life Insurance Company
- Lincoln Financial Group
- Massachusetts Mutual
- Northwestern Mutual Financial Network
- New York Life
- Physicians Life Insurance Company
- Protective Life
- Prudential Life Insurance
- State Farm Insurance Company
- Transamerica
- U. S. Financial Life Insurance Company
- West Coast Life Insurance Company
I hope your hunt for suitable life insurance coverage will be a pleasant experience.
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