Exclusive Information
FROM A REPUTABLE SOURCE
"Don't Buy Any Life Insurance
Product... Until You Read This Information. Don't Let Yourself Get Ripped Off!"
And NO, it's NOT about selling you any
specific life insurance product. You can, and in fact You
MUST choose by yourself!
From the desk of Ricardo Flores
Friday 4:00 p.m.
Dear Friend:
 s
with many choices in life, when
it comes to life insurance, before making any decision it is necessary to hear
the advice of an expert. Here we will follow some of the recommendations of Mike
Kriedler, Washington Insurance Commisioner, and also add some other useful
considerations. When buying you should consider:
The reason of buying your life insurance. The main reason
for buying is to financially protect those who depend on you in
case of your unexpected death. There can be other reasons, like paying estate
taxes, but the main reason is normally the protection of your loved ones. Beware
of anyone selling you life insurance as an "investment". It is an
investment, but not of that kind. It is an investment in your peace of mind and
in the security of those who depend on you.
Term vs whole. In the term scheme, you pay an anual fee that increases though the years, as
the likelihood of your death increases. The whole scheme, in contrast,
builds funds for you through a "savings account", so to speak. Initial
payments may be higer than term insurance, but because these premiums are
level, they may eventually become less than the term one. According
to expert Gray Rollins, the whole scheme is loosing popularity nowadays.
Reputation of the Company. Of course it is always
important to know the stabilty and financial strength of the company you plan to
buy from. For that purpose, there are some companies who analize insurance
corporations to measure their reliability. One such company is You should always
consider the rating of a company before buying from it. One such company is A.M.
Best. Ratings go from A++ to F.
Find and Compare Rates. If you want the best deal, you
should
compare rates from a good number of companies.
Check about the specialy of the company you're buying from.
Everyone has a different health situation. For best satisfaction, it is
advisable to ask the company if they specialize in life insurance for your
particular circumstance.
Update your converage according to the situation. As time
passes, circumstances change, so according to your net worth, and the people
protected by your life insurance, you should adjust your insurance when
necessary. Don't let yourself be pressured by any company into buying any option
you don't need.
Never buy a policy you don't understand. Make sure the
main points are clear to you. Save all the documentation of the product and make
sure the company tells you all you want to know about costs, guarantees and
penalties if you choose to drop the policy.
Use an Online Quote Service. An easy way to shop for life
insurance and make a good decision fast is to ask for a quote from a quote
service. Be sure to ask any question to your satisfaction. If the service does
not provide the reputation of the company which is offering a competitive quote,
be sure to ask for the company rating and the rating organization to your
full satisfaction. Preferably, ask for at least an A rating.
For your convenience, here is a quote company that can help you
choose the best deal. It is Verified by Verisign and a Member of the Better
Business Bureau. It is important to always consider the reliability of the
service you are using
Just remember to evaluate the information and don't just
delegate everything to the quote service. Here's the link www.2insure4less.com
Yours to a resposible insurance policy,
© 2006
Paradigmas Digitales para el Siglo XXI, S.A. de C.V.
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