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Whole Life Insurance
Life Insurance Comments
- If you're having a tough time getting by on your salary now, how well do you think your family will get by without it?
- The only thing worse than a home without a mother is a mother without a home, isn't it?
- You can say, "I don't need it", but can you say "my family won't need it"?
- The most valuable asset that a father can leave his children is their mother's full time care, isn't it?
- More good things are lost by indecision than by wrong decision, aren't they?
- Someone always pays for life insurance, whether a man buys or not; the question is, who....the man or his family?
- Wives may not believe in life insurance, but widows always do.
- Life insurance is a shield to meet the blow that you can't see coming isn't it?
- You would certainly give your life for your children, so why not insure it for them?
- Have you ever met a widow who said that her husband had too much life insurance?
- Life insurance is the only plan that will guarantee a known sum at an unknown time.
- You haven't needed it (life insurance) yet? Do you carry a spare tyre in your car? Do you own an umbrella? Do you check for the parachute in the aeroplane?
- The worst time for a wife to become a breadwinner is when she first becomes a widow.
- If you wouldn't like to live the rest of your life on the face amount of your present insurance, how do you expect your wife to?
- Income is provided for a widow or by her isn't it?
- Losing a father is bad enough, inheriting a part time mother makes it worse, doesn't it?
- You can put me off, but you can't put my competitors off - death and disability.
- Life insurance won't keep people from dying, but it will keep their plans from dying with them.
- It isn't easy to be old or poor, but it's a great deal worse to be both.
- Whatever reason you may have for not starting this plan now will only sound ridiculous to your widow.
- Just because you stop working doesn't mean you stop loving your wife, children & grandchildren. That's why you have permanent life insurance isn't it?
- No person ever dies at the right time, do they?
- A person needs credit to live, but their family needs cash when they die, don't they?
- You may last longer than your money
- No debt should last longer than the person who created it, should it?
- If you buy insurance or not, in the end someone will pay for it.
- Life insurance is time. The time you might not have. If you need time you need life insurance.
- Your wife should be left something that will take care of her - not something she will have to take care of, shouldn't she?
- If you had a goose that laid golden eggs, would you insure the eggs or the goose that laid them?
- Life insurance? Anybody who doesn't believe in it ought to have the right to die without it at least once.
- Sometimes the biggest price in the world is doing nothing. A lot of people do nothing wrong; they just do nothing. That's what's wrong.
- If it were free how much insurance would you like?
- Do you know anyone who has died who had too much insurance?
- If you were to die because of some one else's negligence, how much would you want your family to sue for? Should they have any less if you die by other means?
- If you were not here could you pay for all of your children's higher education or just a percentage of it?
- What assets would your executor have to sell up to allow your wife and children to keep living in their current lifestyle?
- Are you aware of your most valuable asset and do you know how much income it is capable of producing in your lifetime?
- One ordinary father can support four children, but it takes four extraordinary children to support one father.
- A life insurance person brings no financial problem to any prospect, they only bring the solutions.
- If every wife knew what every widow knows, every husband would be insured for more, wouldn't they?
- I can understand your hesitation to pay the $800 premium. You may feel that you are making a mistake. Would you rather make an $800 mistake or a $250,000 mistake?
- Do you want your bank to have first call on your estate?
- If your family was in Financial Free Fall, wouldn't it be nice to know we could provide the Parachute?
- If you weren't here, who would you want to take care of your obligations?
- Which is harder for a widow? Being unprepared or being unfunded?
- Do you see your family being disadvantaged by the unknown or being disadvantaged by being unfunded?
- If I could deliver you a guaranteed amount of money for a specified event at an unknown time in the future, would you be interested?
- Your insurance should compensate for an event, not encourage it's occurrence.
- If you knew you were going to die tomorrow, how much insurance would you demand of me?
- You don't buy insurance because some one may die; you buy it because families and people keep on living, don't you?
- If you don't protect your income, how will you be able to pay for or afford your other insurances?
- How would your family be affected if you couldn't work for 2 years?
- Which is more important to your wife? The size of your overdraft whilst you're alive and well or getting rid of the overdraft when you are not here or are unwell?
- Are you leaving your family an asset or the asset and a liability?
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The Advantages of Whole Life Insurance Policy
For many people, there isn’t any question about whether or not to buy life insurance. The bigger question for them is which kind of life insurance policy to buy. The two main categories are whole life insurance and term life insurance. Term life insurance provides a death benefit only, and only for a specified period of time. Whole life insurance, on the other hand offers not only a death benefit but a savings option as well.
Both options can provide similar amounts of coverage. But only whole life insurance provides coverage that last until the time of your death, no matter when that takes place. And only whole life insurance policy provides some of the same benefits as other investments. Whole life insurance policy, for example, builds up a cash value that you can borrow against, usually with no cost and with no negative tax consequences. And, like other investments, whole life insurance has a value that grows – it’s an asset that you can even sell in the future if you choose to.
But there is a cost associated with the value that a whole life insurance policy brings. In general, whole life policies are more expensive than comparable term policies. So it’s important to get whole life insurance advice from a trained professional. Whole life insurance policies have provisions that term life insurance policies do not have – make sure that you speak with an expert and that you understand the whole life insurance policy before you buy it.
Life insurance premiums, on the whole, have decreased in recent years. So even if you’ve had a whole life insurance policy for a while, it might make sense to compare the policy you own to one you might purchase now. There may be some very real savings in a newer whole life insurance policy. Compare policies for a variety of reputable whole life insurance companies, and make sure that you’re getting a whole life insurance policy with the premiums and benefits that make the most sense for you.
Whole life insurance policies are rarely offered through employer groups – those policies are most often term life insurance policies. So it’s up to you to seek out and purchase the coverage you and your family need. Insurance agents and insurance brokers are paid by commission, so their main interest will be selling larger policies to individuals with a high net worth. If you’re not in that category, don’t expect an insurance agent to come looking for you!
Take the first step today, and request a whole life insurance policy quote online. We’ve taken the hard work out of requesting, comparing and purchasing whole life insurance plans. No agents or brokers visit and annoying phone calls – just the right whole life policy, at the right premiums for you and for your family! Call toll free (800) 912-4521 to speak with a whole life insurance expert.