jasonsmith
Expert
- 20
Have a policy. .
Last edited:
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You need to talk to a knowledgeable, local agent. The thought process you are using is only making your decision more confusing and mostly a waste of time.
I've done alot of reading. And had read alot of warnings to watch out for things. I do like doing my research before hand instead of relying on everything from someone who is trying to sell me something. That is one way I found out about term life insurance and to watch out for someone trying to sell whole life or something and promising high returns that are not likely to happen.
I don't know of any local agents. Other than your typical insurance companies. But I'm sure they'd all tell me they are the best, etc.
Just real worried as banks are/were failing. Not sure of the status or future status of life insurance companies. I think picking a life insurance company is more important than picking car insurance.
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Thanks. I'm just cautious relying on all my info that is provided from someone trying to sell me something. Wouldn’t there be things to watch out for? I’ve read of things like to watch out being promised high returns on things like whole life insurance, etc.
I quit going to car dealers to buy cars since the salesmen were always trying pull something over on me, etc. So, just real cautious dealing with salesmen in general.
I've done alot of reading. And had read alot of warnings to watch out for things.
I'm just cautious relying on all my info that is provided from someone trying to sell me something.
I was looking at getting life insurance on someone in their 50's. From what I've read. Looks like I want term life insurance of 20 or 30 years. Looks like the term life is the cheapest and is clear cut in that your rates don't increase during your term. And you get payed out the full value of the policy if the policy holder passes away during the term. I'm new to life insurance.
I am looking for recommendations on a life insurance company. My understanding is you want a company at AA+ or AAA. I'm not sure who to go with. New York Life seems to get the best ratings, but I haven't gotten a quote from them yet. The places Geico uses has good prices from my quotes I got, but know nothing of the companies. Which are different when you get different quotes.
I've filled out quotes here and there. But then the phone rings every day with someone trying to sell life insurance because I had submitted in a quote. A little overwhelming. So, I figured I'd get it narrowed down to the best companies to concentrate on.
Oh, and are there government guarantees on life insurance policies in the state of TN? Just would hate to pay 10+ years for the company to end up closing up and I lose my policy.