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most affordable life insurance

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Xanthia Alysha

Joined: 26 Oct 2009
Posts: 137

PostPosted: Wed Dec 23, 2009 4:04 pm    Post subject: most affordable life insurance Reply with quote

What is the most affordable life insurance and health insurance?
Where can I find Affordable Health and life insurance for me and my wife?
What is the best web site with online quote?
Any answer will be appreciated.
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Joined: 25 Dec 2009
Posts: 1

PostPosted: Mon Dec 28, 2009 1:38 am    Post subject: Comparison Reply with quote

Basically there are no best insurance plan and most affordable insurance available. If you say you would like to compare between all the companies, well it's a good things. However, there are 18 life insurance companies currently, you will need time to compare dont you? There will not be any plan that is better than the other, what's cheap will surely lack of something that a more expensive one have. After all, if one policy is better than other one or one company is better than the other one, everyone would had buy from them. Therefore, no matter how good the policy is, if you did not take action to own it, its still useless. Its not about how much you pay for the insurance, its about you OWNING the protection and its there when you need it the most.

I would say you must first understand what is your need and what kind of protection you would like to have to protect your family. Is it education, retirement income, income protection, loan cancellation, investment and etc. life insurance is like an umbrella where when its raining heavily you will hope that your umbrella is bigger. However, when you were without umbrella that time, its too late for you to go back home and get one. Raining days are unpredicable and are your umbrella big enough to cover your whole family? Second thing you need to consider is the agent. No matter how good the company is, you will not want to do everything yourself when you need the agent the most.

"Is there a cheaper way of arranging this insurance?"
Well there are two way we can arrange this cover for you. 1st way is you pay a level premium. The premium will never increase, you are in the driving seat, you have total control. The policy will pay out when you die. On the other hand, if you decide you dont want to be insured any longer, insurance company will give you back your premium, plus or minus a bit, depending on how long you have kept the premium, it only cost you the USE of the premium. This is the PROPER WAY to buy your insurance.

If you want to do it the CHEAP way you can start with a smaller premium. Eventually, either the cover will run out or the premium will increase dramatically. If you cant afford the increased premium you can always ask for some cash back but the insurance company will just laugh at you. They'll tell you there is no money to come back because you choose to insure the CHEAP way.

Now, i dont mind which way we arrange the insurance, it's all the same to me, so do you want to do it the CHEAP way or would you rather did it the PROPER way?
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Joined: 28 Apr 2010
Posts: 3

PostPosted: Thu Apr 29, 2010 8:16 pm    Post subject: Reply with quote

Life Insurance is very essential now a days for everybody.A term life insurance policy is known to be the most affordable option. Instead of costing thousands a year, low cost term premiums range in the hundreds of dollars for healthy people under forty or fifty years of age. In policies lasting for twenty years or more, a fixed premium can be a great solution for people in need of cost-effective, long-term protection.
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Joined: 24 Sep 2008
Posts: 61
Location: PJ

PostPosted: Wed May 05, 2010 11:16 am    Post subject: saving + life insurance Reply with quote

Hi... drop email to me sanny_03@hotmail.com if you wana know more about AIA products..

May hear from you soon.

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Joined: 31 Jul 2010
Posts: 87

PostPosted: Wed Aug 25, 2010 1:11 pm    Post subject: Reply with quote

Affordable life insurance that offers the best coverage. Just because you are considering a life insurance policy online that is cheap, that does not mean that it will be anything but complete coverage. Look at the options that are available and decide what is the right coverage for your specific needs.
Responsible coverage is also available. That means that your life insurance rate does not sacrifice the need for customer service and immediate help when it is needed. Those that seek to provide a solid policy that will provide security and reliability should consider the online market place.
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