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Thread: Life insurance

  1. #1
    Verified Companion Companion Secret Encounters's Avatar
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    Life insurance

    I know there are gentleman of all walks of life so just seeing if anyone sells life insurance policies?
    With everything that’s happened And a major health scare for my mom I need to get a few of my families
    Insured. If you are an agent I do NOT wish to Barter nor take care of this bcd I wish to do it in a public professional office and with a legit licensed agent.

    Please pm me if you can help, thank you!

    Lex

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  2. #2
    Verified Companion Companion Secret Encounters's Avatar
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    I need info and looking for advice please and thank you!

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  3. #3
    Verified Companion Companion AlexandraSand's Avatar
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    My investor adviser from Edward Jones is also providing Life Insurance. I got a quote from 10 different companies ranging from $90 to few hundreds $$.
    I am sure, you can walk in to any office and ask them.

    Good luck!
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  4. #4
    Verified Hobbyist BCD Crock's Avatar
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    I don't sell insurance, but I do want to encourage everyone to avoid whole life/universal life insurance. They're nothing but a rip off (unless you're wealthy and have already maxed out every other investing vehicle with tax advantages). You're WAY better off buying your insurance one place, and investing some other place.

    You want term life insurance. If you have money left over that you want to invest, consider a Roth IRA with an index fund if you don't already have one.

    As a starting point, try getting a quote from Zander Insurance. They probably won't have the best price you can get, but they'll give you an idea of what rates to be looking for: https://www.zanderins.com/term-life-...instant-quotes

  5. #5
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    While not life insurance, make sure your bank accounts have a payable upon death name listed. In that situation the bank pays to that person and the accounts don't have to be probated.

  6. #6
    Verified Companion Companion AlexandraSand's Avatar
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    You have to have "Last will and testament" for payout. Not just a name on the bank account or investment accounts. If there is no Last Will - everything gets in probate court and taxes are imposed and only then distributed to survivors and next of keen.

    Investment bankers has nothing to do with Life insurance, they are just agents, who sale it as a convenience to their clients. Just like car insurance agent can be also a Life insurance agent.
    IRA is investment, and Life insurance is just that.
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  7. #7
    Registered Male (Not Verified) WhoisMe123's Avatar
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    Quote Originally Posted by 1980saguy View Post
    While not life insurance, make sure your bank accounts have a payable upon death name listed. In that situation the bank pays to that person and the accounts don't have to be probated.
    POD accounts are the way to go if that's all they have. For a house or land, make sure they have a transfer on death dead filed in the county. Any fifth year lawyer could be able to draft those, or if they are in the estate planning business it can be made fairly quickly by a first year. I'd quote about 1k on that but it really saves time and headache. Probate is slow, it can be extremely costly, and creditors really suck. Another thing you might consider if no body does anything while living is try a small estates affidavit. There is a certain criteria to meet if the deceased person does not have a will, so if push comes to shove get in touch with a probate lawyer.. not a personal injury or criminal defense person.

  8. #8
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    50 states, 50 different laws. Some of this stuff can be done when property is purchased and titled. WROS (with rights of survivorship) can be done at the court house by the owners of the property. If you have it and don't need it and can't take it with you give it away before you die. Intestate isn't always a bad thing.

  9. #9
    Verified Hobbyist BCD DocHoliday's Avatar
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    As a professional, I see a lot of misinformation flying around here ^^^^. I suggest you speak with an insurance agent and pass on a lot of the information being espoused above as fact.

    This has been another legal PSA from Ol’ Doc. SE, you know you can always contact me for the straight skinny.
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  10. #10
    Verified Companion Companion Secret Encounters's Avatar
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    Please close I was able to get what I needed

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  11. #11
    The "Guide" In Black ® Mokoa's Avatar
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    Done.

    Glad to read you found what you were looking for.
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