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re: life insurance question
Posted on 1/21/09 at 2:14 pm to chuckie
Posted on 1/21/09 at 2:14 pm to chuckie
All life companies have their own actuarial tables. These people have the horn rimmed glasses and the pocket protectors. To try and figure the tables out will make you go crazy.
Each company looks at the age of the proposed customer, mortality rates, the history of the people they have insured and amount of coverage and term or whole life.
The financial stability of the company plays a major role in their rates.
Low,low rates can be offered by fly by night companies or companies that are not very strong financially. Look for discounts when applying.
Each company looks at the age of the proposed customer, mortality rates, the history of the people they have insured and amount of coverage and term or whole life.
The financial stability of the company plays a major role in their rates.
Low,low rates can be offered by fly by night companies or companies that are not very strong financially. Look for discounts when applying.
1
Posted on 1/21/09 at 9:27 pm to LSUPIMPRGB
what I'm asking is, given 3 different companies all offering term life for the same period of time, 20 years, all are rated similarly, and well thought of companies.
One costs signifantly more than the others.
What could be the difference in the policies?
Of course, they all want to take a little time to show some whole life blah, blah ,blah and why it would be sooo beneficial for me.
One costs signifantly more than the others.
What could be the difference in the policies?
Of course, they all want to take a little time to show some whole life blah, blah ,blah and why it would be sooo beneficial for me.
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