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Guest | 24 Ocak 2015 saat 06:16

As the Benefits Manager for my company, I get asked this qusoeitn a lot. We provide term life for our employees, and they have the option to purchase more, and if they ask, I advise them to check with their home owners/car insurance etc, vendor to see about a whole life policy.Whole life insurance is always a better product. While it's more expensive, the right policy will virtually pay for itself in the long run. For example, the whole life policy I have for myself will no longer require that I pay premiums in about 20 years (I'm 41 now), with the same benefit. In fact, my $35,000 benefit will actually be worth closer to $40,000 by the time I'm 65. (I purchased mine through Farm Bureau, who also insures our home and autos) Bottom line: if you can get some term life through your employer, the premium may be a little more stable, but 58, you're really reaching the limit of affordable insurance. Get a whole life policy now. Look at what you're insuring-do you need money to pay off a home if you die? Just to pay bills? Do you have dependents? Your mortgage lender may have life insurance for your mortgage-enough to pay off the house if you die. If you have no dependents, and just need enough to pay for any bills that may be left behind, check out a small policy a whole life policy, and make sure the people who need to know KNOW how to file a claim if necessary. http://rxyavu.com [url=http://rfzckrnubh.com]rfzckrnubh[/url] [link=http://xkppyf.com]xkppyf[/link]

Guest | 23 Ocak 2015 saat 15:59

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Guest | 23 Ocak 2015 saat 00:17

Yes. It's always good to call and ask from the vaictaon to find out what you need to do. I was delayed once (because our plane hit a bird and smashed the windshield of the plane), so I called the travel insurance company from the airport to get the details of what I would do and what I would need. The answer was that it needed to be more than a 4 hour delay which it turned out not to be so I didn't waste time with any claim. The take away lesson is bring the papers with you and call to ask.

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