Life Insurance 101

[jjayinla]

Great info! I really think it's time I get life insurance and make sure my family is protected. You can never be too prepared for those unexpected moments. I'm going to sign with Globe Life Insurance; great rates and service!

[WhyFlowerBack]

Thanks for sharing.

[steveraven100]

Video is good, but with one misleading fact. Permanent insurance is NOT permanent. If you look at your Contract a.k.a. Policy, it shows how they calculate your MONTHLY expense. As EACH YEAR passes, the amont goes up. This clearly shows that "permanent" insurance gets more expensive every year. Sure, the only 'charge' you a set amount every month, but the fact is the insurance gets more expensive. Any amount due over what you are actually sending ins is deducted from the cash value

[LIFEfoundation]

@steveraven100 A permanent policy with a fixed premium can be designed to either maximize the death benefit, the cash value or do a combination of both. Yes, mortality charges go up as a person ages, but the advantage of permanent insurance is a fixed premium with the expenses spread out over the life of the policyholder, in this case, the lifetime of the insured. You pay more at the beginning in order to pay less out of pocket in later years.

[calcularhipoteca]

great video

[calcularhipoteca]

thanks for the video

[TheMontagu11]

I've been a financial planner for almost 20 years and I have 2 issues in what would be a fantastic explanation of life insurance. 1) Pure life insurance should not be used as an investment because those rates of returns are usually poor 2) Whole life is so expensive that I never recommend it over Term. There is such a thing as renewable term that doesn't require a medical exam.

[whitedarlene]

Fantastic overview of Life Insurance

Thank You!!!

[StevePotman]

Nice video

[InsuranceQuotesLife]

Great explanatory video covering the essentials. Anyone wondering if they really need life insurance should watch this

[SuperRoss83]

impressive explaination!

[imugly678]

This video made my day

[NkaujHmongTh0j]

This was very informative now how would you choose what's a good life insurance company?

[rcdrury1]

This is the best educational life insurance video I've seen on YouTube. It points out that properly calculating one's life insurance need is most important, and that seemingly big numbers are really not all that big when it comes to ensuring dependent's lifestyles. Then it points out that there is usually a need for a combination of term and permanent insurance, depending on the length of the need and one's insurance budget.

[powersinsurance1]

Very informative. I really liked it!

[virileplex]

Fantastic video!

[tivrfoa]

real nice. thank you.

[IntegriSure]

Families should not suffer this type of blunders.

[InsuranceInfoCenters]

It's a very sad circumstance when families are caught unprepared when tragedy strikes because of lack of prior planning.

[dawnsaritasmith]

Thanks, I love this presentation.

Life,Auto,S6/63 Agent

Virginia Beach VA

Dawn Smith

757-518-9810

[actorpatel]

This is really good for bigineers to avoid mistakes and do at right way from 1st tim.

Jagdish N Patel

Licened Life Insurance Agent,MDRT

732-725-7711