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you are here: DentalPlans.com > Dental Health Articles > Money > Top Tips for Purchasing Life Insurance
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Updated: 11/25/2008 5:59:47 PM |
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 (ARA) - Life insurance doesn't simply insure your life; it helps ensure the well-being of your loved ones if you're unable to do so. Make the purchase that will protect you and your family -- read below for helpful tips!
1) Maintain your health.
Make wise health decisions today because you may need to undergo a medical exam to determine your insurability. The better your health, the better your policy rate.
2) Determine the right amount of coverage
Before selecting an insurance company, figure out how much coverage you need. Online calculators will help determine your life insurance and other financial needs.
3) Choose a provider.
One of the best ways to buy life insurance is directly through a life insurance company. Just like certain stores specialize in clothing or electronics, life insurance companies specialize too. Research to find the provider that fits your situation.
4) Consider your preferences.
Perhaps you prefer to make transactions in another language, over the phone, or in person. Look for a company that offers these options. For many people, the Internet is one of the most efficient ways to maintain a policy. Find a company with the technology that will allow you to manage your account and conduct transactions online.
5) Do your homework.
Once you have selected an insurance company, think about the questions you will need to address. Who are your beneficiaries? What's your financial situation? What do you plan to use the coverage for? Call to speak with a licensed agent or consider purchasing your policy online.
6) Find the policy that works for your life stage.
There are many different types of life insurance products and learning about the available options will provide you the most comfort and security. A term policy will help you secure protection at the lowest rate for a specified period of time. If you can pay a little more money, a whole life policy may allow you to lock-in a more affordable rate early on, keep that rate for life, and give you the option to borrow the cash value of the policy.
7) Consider the financial benefits of the policy you choose.
Under current tax laws, your beneficiaries may not have to pay federal income tax on the money they receive from a life insurance policy. Accelerated death benefit riders, under certain circumstances, may allow you to receive a percentage of your life insurance death benefits during your lifetime. Ask your agent about these financial benefits.
Despite these uncertain times you can take control of your financial future and protect your family with the right coverage at the right time. Start your research by getting a free, no obligation quote from SBLI USA Mutual Life Insurance Company, Inc. at www sbliusa.com.
Copyright © 2008, ARAnet, Inc.
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