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Luis Said:

does any body know of a really affordable life insurance policy for a single parent with children?

We Answered:

My condolences about your friend and her loved one.

I’ve linked to articles describing how to choose a life insurance and how to calculate how much life insurance you need. I’ve also linked to online calculators to help you figure it out. Deciding how much life insurance is enough is a very personal decision – what’s right for you might not be right for someone else. I’ve also linked to an article about what to look for in renewable term life insurance.

Your concentration on the life insurance company is a good idea, since your life or disability policy will only be as solid as the financial strength of the insurance company you choose. After you read the articles below and get a firm idea of what kind of policy you’re looking for, try visiting MostChoice.com. You can compare insurance policies online quickly and speak to multiple insurance agents working in your community – all without any obligation. It’s a quick and simple way to swiftly survey the local insurance market, and MostChoice provides information on more than 140 companies with A+ or better financial ratings.

You can find MostChoice here:
http://www.mostchoice.com/life-insurance…

Hope this helps,
Barnes@MostChoice

Bessie Said:

Is anyone in need of affordable life insurance and you live in South Carolina?

We Answered:

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Heidi Said:

Where can I get affordable life insurance with good benefits?

We Answered:

Not knowing your total financial situation, it would be difficult to recommend which term life insurance you should get. Maybe you need a 10 year term, maybe 20 or 30 year term. I don't know. If you have over 20 years left to pay on your mortgage, then you should get a 30 year term. Between 11-20 years left on your mortgage, get a 20 year term. 10 years or less OR you don't have a mortgage, get a 10 year term insurance.

Term insurance is very affordable compare to all the other types of life insurance that builds cash value. That means you can get lots of coverage for a low amount of premiums.

In 10 to 30 years, all your children will be grown adults. Hopefully your youngest child (who will be 23 years old) will have a job and be able to support himself. Your debts should be paid off or have a low balance on them. And you better have lots of money saved for retirement.

When I sit down with families, I examine their entire financial situation. I look at their current debts, examine their life insurance policy, check out their retirement plan and other long term plans. Then I make recommendations and move money around. With majority of my clients, not one of them pay a cent more than what they are currently spending. I don't know your situation, maybe you don't have to pay a cent more either (of course, this depends on which company you go with. I recommend Primerica because they help middle income families solve common financial challenges).

Tina Said:

why is massachusetts excluded from affordable life insurance companies such as colonial penn?

We Answered:

Because the company chooses to exclude them for business reasons. If a company's policies do not comply with a state's regulations, that company may simply choose not to do business in that state.

Nina Said:

Is it possible to get affordable life insurance and dental insurance if i am not employed?

We Answered:

Well, it's not possible to have affordable RENT and UTILITIES if you're not employed!!

So. Life insurance depends on your age and health. If you're healthy and 30, you can get 20 year term, $250,000 for about $150 a year.

Private dental insurance is different, though. I've never seen a plan where they pay out more than they take in. There are LOTS of loopholes - limitations of coverage, massive copays, and waiting periods, so you're better off paying for dental stuff out of pocket.