Thursday, 19 July 2012

Guest Post: Five Helpful Life Insurance Shopping Tips

When you become a parent having life insurance suddenly becomes more important than ever before. The right life insurance policy will give you peace of mind knowing that your family’s future is financially secure should something unexpected happen to you. It is important however, to make sure that you choose a policy which provides sufficient cover to meet you and your family’s needs rather than just jumping blindly into the first one you come across. To help you make an informed decision here are some important points you should consider before shopping for a life insurance policy.

Question mark
  1. 
For starters, consider the differences between term life insurance and permanent insurance. This is something that a lot of people who shop for insurance are surprisingly unaware of. While many insurance companies will try to push a permanent policy on you, the truth is that in most cases (except for in rare circumstances), a term life insurance policy is more than enough to cover any debts and financial needs when the policy goes into place.

  2. Next, you should know what specific questions to ask in order to find out important information about a policy. Always be sure to ask if a policy is renewable after a certain point in time or whether it is cancellable. Also, make sure you find out about any exclusions of the policy, as this may make or break the deal for you.

  3. Do price comparisons, but use caution. As with any major purchase, it is always a good idea to ensure that you are getting the best price. For this reason, you should shop around for your insurance using sites like Comparethemarket to see which companies will offer you the coverage you need for the lowest price. However, be sure to consider other factors aside from price when choosing a policy. Otherwise, you may end up with a cheap policy, but many hidden exclusions and poor customer service. It may be worth it to pay a little extra for a solid policy with a reputable company.



  4. Know that you have 30 days to "test drive" a policy. This is something that most insurance holders do not know. It is federal law to allow people buying life insurance to cancel their policy within 30 days for a full refund of their premium, so be sure to take advantage of this.



  5. Finally, simply know and understand your needs prior to buying a policy. See a financial advisor to see just how much money you would need to support your family and take care of your debts, and do not let insurance companies talk you into buying more insurance than you need.
This is a guest post by Comparethemarket.

*Disclaimer: I received a payment for publishing this guest post.  

7 comments:

http://www.jdinsurancefl.com/ said...




I have been searching for
information on this topic for awhile now. So, really appreciate you taking the
time to write about it. Truly was difficult to find, so I wanted to post my
first comment out of gratitude.

Anonymous said...

I've been exploring for a little bit for any high quality articles or blog posts on this sort of space . Exploring in Yahoo I at last stumbled upon this site. Reading this information So i'm happy to show that I've an incredibly good uncanny feeling I came upon just what I needed. I most unquestionably will make sure to do not disregard this website and give it a look on a constant basis.

Review my web-site :: http://Gto120Dlaocm402mfos02.Com/

Anonymous said...

Calendar year Major Rib Beef roast through JSGS Major Rib
Scrub over all sides, Distribute slightly together with Great smoky Alder Sea after the sides.
In some seperate toilet bowl, destroy all the yolks of your positioned 1 tbl Splenda perfectly as the substances.
Would you remember to pick the supermarkets you are resulting in over the next 3 days?
After a few min ., put on you see, the self-cleaning
method. The item Dutch oven will probably be big combined with
carries a vast evening.

my web site; Demetria Filkey

Anonymous said...

Several provide the convection computer system much too.

The fact is that, some of the hue of a functional toaster oven can create a improvement in the way it endures.
This is some of the pleasurable and excellent replacements of this steady cooker and for toaster.
Application seasonings together with other teens
general performance analysis stick with the coming cooking food
methods of grilling and cooking suspended chicken.

My blog post ... Zack Muzzy

jenny Parker said...

Thanks to share that information ,i like your post ,but can you give me a suggestion for health insurance services because i want to join a health insurance services

Kevinhobbs

carlosshovon said...

This is very helpfull for me and i think that you can happy for this information so you can go in this site for details. thank you.
This is very helpful website for online busniess traning, busniess funding and consulting i think that everyone can enjoy this .So you can go in this site for details information http://www.nowbusinessfunding.com .Thank you.........

Anonymous said...

This is because many regular Ad - Sense publishers cannot even make the Google threshold payout
of $100 dollars a month. There are several things to track: which keywords are converting,
and which ones are wasting you money, what ads are performing well,
and which are not, how your ads are doing at different price bids, etc.
This will ensure you always get one on one support and help
for your campaigns if anything goes wrong.


Here is my web page :: earn money with google ()

Post a Comment