Wednesday, March 4, 2009
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life insurance rate rules
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The Truth About Life InsuranceMyth: Cash value life insurance, like whole life, will help me retire wealthy.Truth: Cash value life insurance is one of the worst financial products available.Sadly, over 70% of the life insurance policies sold today are cash value policies. A cash value policy is an insurance product that packages insurance and savings together. Do not invest money in life insurance; the returns are HORRIBLE. Your insurance person will show you wonderful projections, but none of these policies perform as projected.
Example of Cash ValueIf a 30-year-old man has $100 per month to spend on life insurance and shops the top 5 cash value companies, he will find he can purchase an average of $125,000 in insurance for his family. The pitch is to get a policy that will build up savings for retirement, which is what a cash value policy does. However, if this same guy purchases 20-year-level term insurance with coverage of $125,000, the cost will be only $7 per month, not $100.
WOW! If he goes with the cash value option, the other $93 per month should be in savings, right? Well, not really; you see, there are expenses.
Expenses? How much?
All of the $93 per month disappears in commissions and expenses for the first 3 years. After that, the return will average 2.6% per year for whole life, 4.2% for universal life, and 7.4% for the new-and-improved variable life policy that includes mutual funds, according to Consumer Federation of America, Kiplinger's Personal Finance, and Fortune magazines. The same mutual funds outside of the policy average 12%.
The Hidden CatchWorse yet, with whole life and universal life, the savings you finally build up after being ripped off for years don't go to your family upon your death. The only benefit paid to your family is the face value of the policy, the $125,000 in our example.
The truth is that you would be better off to get the $7 term policy and and put the extra $93 in a cookie jar! At least after 3 years you would have $3,000, and when you died your family would get your savings.
A Better Plan
If you follow my Total Money Makeover plan, you will begin investing well. Then, when you are 57 years old and the kids are grown and gone, the house is paid for, and you have $700,000 in mutual funds, you'll become self-insured. That means when your 20-year term is up, you shouldn't need life insurance at all - because with no kids to feed, no house payment, and $700,000, your spouse will just have to suffer through if you die without insurance.
Monday, March 2, 2009
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Ways to get best life insurance rates
By Pat Curry • Bankrate.com
If you ask 10 different experts how to buy life insurance, you'll get at least 10 different answers.
The debates rage over a variety of topics, such as what kind of insurance is best; buying from an agent or through the Internet; the right amount of coverage you need; and even what the true purpose of life insurance should be.
No wonder people get confused.
Despite the opposing views, the experts do agree on several strategies to get the best deal on a life insurance policy:
Honesty's the best policy
At the top of the list is honesty. Don't lie on the application about your health. People do that sometimes if they think telling the truth will result in being turned down.
"Lack of disclosure is one of the biggest things that comes back to bite consumers," says Randy Herz, vice president and chief financial officer of Connecticut-based Herz Financial Group. "Underwriters hate uncertainty. If it doesn't get on your application correctly and it shows up on your medical record, underwriters think you're lying to them and won't offer you as good a deal."
If you smoke, don't deny it. A family history of heart disease or diabetes isn't an automatic rejection, but some insurance companies are more comfortable with those policies than others. You probably won't get the best rate, but you're probably not uninsurable, either.
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Time is on your side
A more involved way to get the best rate is to schedule your medical test for first thing in the morning. The time of day that you take your medical test is so important that Lynne Rosenberg Kidd won't even look at a policy with a test done later in the day.
"If someone took the exam after dinner, I just send it back," says Kidd, who is president of Innovative Solutions Insurance Services, a national brokerage insurance agency that finds policies for agents.
The reasons are fairly simple. Your blood pressure is lower and your cholesterol is better in the morning. You're also less stressed out early in the day. Plus, you need to fast before the blood tests, so you want to get them out of the way so you can have breakfast. To get the most accurate results, avoid salts and heavy sugars. Stay way from alcohol, drugs and caffeine, and don't exercise before the test.
"Exercise can cause liver functions or sugars to be off," Herz says. "In people who are big runners, it's common for sugars to be off. Avoid ibuprofens and Tylenol and any type of stress if you're going to do an EKG. Go to bed at 9 p.m. and have the nurse or doctor show up at your house at 7 a.m."
Herz also suggests you may get better deals toward the end of each quarter and the end of the year when insurance companies are working to reach their sales goals. "There is a timing issue involved," he says. "A lot of companies want to make their numbers at the end of the year."
Kidd says a company's most-competitive pricing probably will be in the middle classification rather than in its preferred rates, which only cover 20 percent to 30 percent of the market.
Watch for falling rates
Don't think that once you get insurance, you're locked into that rate forever. They've dropped significantly in the last decade.
"Rates in the last 10 years on a typical term policy have fallen by 60 percent," says Byron Udell, president of the Web-based insurance brokerage AccuQuote.
"A 40-year-old male in 1994 would pay $995 for the very best rate for $500,000 worth of coverage for 20 years. That same plan today is $390. The information age has caused a phenomenal flow of information. There's better information from blood tests. People are living longer. There's better health care. It's a phenomenal time for people to take a look at policies they took out three or four years ago."
You also can reapply for a lower rate if there have been changes in your health, Kidd says. "If you've had some cholesterol problems or gained some weight, you may not be able to change your product," Kidd says, "but if you lost weight or got your cholesterol under control, or had a borderline EKG and got that under control, go back and reapply."
Shop around for agents
One of the easiest ways to get the best deal, of course, is to do what all smart consumers do: shop around. Experts usually recommend going to an independent agent who has access to a wide range of policies. Don't stop there.
"Shop at least a couple of agents," says Steve Pomerantz, a certified financial planner in Boca Raton, Fla. "It's a big decision. You're making a big commitment for many years."
When Should I Purchase Life Insurance?
When Should I Purchase Life Insurance?
The Right Time for Life Insurance
No matter how good of a parent or spouse you may be, you could very well be putting your family in danger right now. By failing to have a life insurance policy, you are absolutely putting your family’s future at risk. Who would take of the children in your absence? How could your spouse possibly manage to replace your lost income? For most people, life insurance is the only legitimate answer to these questions, yet life insurance rates are more affordable than ever and it’s never too early to take out your policy. If you’re wondering if you should purchase life insurance, check out these important milestones that signify when you should buy a policy.
Life Insurance Milestones
One of the first milestones suggesting people to purchase life insurance is getting married. When you and your spouse combine your lives, for better or worse, you have to consider planning your future together. At some point you’ll want to retire and have enough investments to live off for the rest of your lives. With a life insurance policy, both spouses still have financial security in retirement should the other pass away unexpectedly.
Having children is another major point in your lives that should tell you that you need life insurance. If anything were to happen to you or your spouse, a life insurance policy can guarantee that your child still has a bright future ahead. It can help pay for day care or the ever increasing cost of college tuition.
If your family ever decides to purchase a house, you’ll almost certainly do it with a mortgage. Now, can you imagine trying to pay that off without your spouse’s help? The last thing you want to do is leave your spouse with the gigantic debt of a mortgage should you pass away. Life insurance ensures that your family can continue living in their house and maintaining their current lifestyle.
Another point in your life that should make you consider taking out life insurance is anytime you undertake a major financial commitment or debt. For instance, opening your own business usually requires a large loan at first, which is exactly the kind of debt you don’t want to leave behind for your family. Even an auto loan could be reason enough to purchase your policy.
Just about the only time you probably don’t need to consider buying life insurance is when you’re single and basically debt free. If you have no large financial obligations and there is no one relying on you for income, you can hold off on life insurance for now. Keep in mind though, the longer you wait to purchase a policy, the more it will cost you