How much is life insurance a month for two people?
364605
do you smoke ?? are you in good health ?? theres a ton of questions like this. most people get it from there job. 4 bucks a month to 100 bucks.
953916
try http://everyonebenefits.com/40436527 it's $49.95 per month for an individual. It covers all specialists, prescriptions, labs, x-rays, hospital stays, etc. Pre-existing conditions covered. No deductible, no claim forms, and no waiting period to use your benefits. Contact me with any questions you may have.
1009021
In the district where I last taught, I paid 10% of the cost which amounted to about $90 a month. Currently I am retired, and I pay $857 a month for health insurance and another $80 for dental. That takes more than one half of my monthly pension. I have had to return to part time work to survive because of the cost of health insurance after 40 years of teaching.\n\nNo wonder health cost issues are paramount with the American public!!
490576
Disability is critical to protect the income stream of the any income earner.  Not just to protect the loss of income to the family, but also to cover the living and medical expenses of the disabled.\n\nHowever, you need to evaluate the policy.  $250/month sounds like a lot, but it might be because you're getting a high coverage.  Generally, you should insure about 2/3 of your current income.  Because the benefit will not be taxable if you pay the premium using after-tax dollars.\n\n- Does the policy cover own occupation or any occupation?  Get one policy that at least cover own occupation for the first several years of disability.\n\n- Does the policy pay up to age 65, or for a duration like 5 to 10 years?  The longer the payment, the higher the premium.\n\n- Is there a social security income rider? The premium will be cheaper with this rider since the insurance will work in conjunction with the SSI not in addition.\n\nIt's true that group policies are much cheaper than individual ones.  However, those policies will cease when your husband leaves work or is laid off.  It's still wise to own your own disability policy.  But if the job is relative secure, you might opt for a smaller coverage on your individual disability policy which will bring the premium down.\n\nAlso, if you pay the premium annually or quarterly, it's always cheaper than paying monthly.
306478
This takes hours of research. The bottom line is if you are now on medications, check to see which plans cover ALL of your prescriptions. The average price for coverage D is about $45 per month. Check with your medicare supplement co. first.
599059
It depends on the place and your living standard. I believe that you can survive well with $3000 per month. Although people can also live below that. If you are student you need around $1500 per month.
743121
Look at Blue Cross Blue Sheild. The normal man under the age of 40 can get a decent rate--try $26/month for a Kansas man. I don't know where you are living, but check into policies.\n\nJust be glad you aren't a woman. A woman during her child bearing years go up to something insane like $150/month.
388272
Before my father passed he was on life support in the intensive care unit.\n\nMy mom showed me the bill, and I recall it being somewhere around $8000.00 a day.
955299
With a 100% service rating you would draw $ 2499 a month, plus drawing social security you are looking at somewhere between $3500-4000 a month. Why would you be willing to risk that?
1137306
A lot depends on your situation. According to a Kaiser Family Foundation study, the average individual health insurance premium is $173. Of course, premiums depend on what kind of plan you have, where you live, your age and sex, medical history, and other factors. For example, another KFF study found that a 25-year old would spend $57 a month for a Washington HMO policy while a 60-year old would spend $205 for an identical policy. A few states do not allow health insurance companies to charge more based on age. And the average monthly premium in California is about $211 – about $40 dollars above the national average, according to California Healthcare Foundation. Moreover, some medical conditions can increase premiums by 20 to 80 percent.\n\nOne of the great benefits of a group health plan, like one you’d get through work, is that they offer more protection (under federal HIPAA and state regulations) and it’s easier for you to be accepted. For example, if you have insurance through work, develop a medical condition, and switch jobs, you have to be accepted by your new health plan and you can count the time you were with your old plan against any waiting period required under your new plan. Also, group health plans give you more for your money.\n\nWhen I was younger, I went to only to non-routine doctors visit in more than 10 years, so financially I would have been better off with more money in my pocket and a less robust health plan. However, there is peace of mind that comes with quality medical protection.\n\nMostChoice.com has a free and easy way to find out all about health insurance. You can get free policy descriptions and pricing estimates through the site. More importantly, you can talk with state-licensed insurance agents near you. You just fill out a short form and local agents contact you within 48 hours. It’s a stress-free way to shop for health insurance and a great way to find out answers to tough health insurance questions.\n\nYou can find it here: http://www.mostchoice.com/health-insurance.cfm\n\nHope this helps,\nBarnes@MostChoice.com
793094
Hi, your friendly insurance guy here again. :)\n\nLong, but hopefully informative, post.\n\nLet's get the ugly bit out of the way first:\n\nTerm is cheap, Whole Life is expensive.  Whole Life pays an agent or broker more commission because it costs more and generally is given a higher percentage commission than Term products.  I mention this because there are a lot of people who hate Whole Life products and think the people who offer them are sleazy.  Thus, I am putting that bit out here right in front to satisfy the Whole Life Haters. :)\n\nHere's how Term Works:\nYou buy it for a specified period of time (typically 1, 5,10,15,20,25 or 30 years).  When that period, or TERM, is over, you can usually renew it yearly at a vastly increased cost until you reach a particular age.  The age at which you can no longer renew vaires by insurance company.  If you live past your TERM and have not renewed, your family gets nothing and you have lost all the premium money you spent (unless you have a "Return of Premium" rider, which not all companies offer and which is often extremely expensive to add).\n\nHere's how Whole Life works:\nYou buy it now.  It stays in force typically as long as you pay your premiums.  The payments stay the same forever; ther eis no "holy crap the renewal cost is insanely higher than last year."  It develops a cash value over time and in many cases the face value of the insurance goes up as well.\n\nThis, by the way, is the fallacy of all those people who say "the insurance company keeps the cash value when you die."  That's not exactly accurate.  As long as the cash value is in the policy, the typical function of it is to pay for additional face value of the insurance.  So yes, while you don't get a check for the cash value when you die, your death benefit will be larger than the original face value of the policy, making it generally a wash.  If you have had the policy for a very long time, the policy owner comes out ahead in many cases.\n\nThe cash value is NOT, NOT, NOT an "investment." That term is reserved for certain other things, like mutual funds.  It can be called a cash accumulation vehicle or a savings vehicle.  It is NOT an "investment."\n\nThe downside to Whole Life is that it costs a LOT more than the same face value of Term insurance - at least, in the short run.  If you buy a 20-year term policy for $100,000 at age 25, start renewing it annually after it runs out at age 45, and compare your lifetime costs, the Term policy will absolutely kill your wallet.  The Whole Life policy in the long run costs a LOT less than constantly renewing an old Term policy.  This does NOT mean Whole Life is for everyone.  It's only appropriate in some situations and for certain clients with specific needs.\n\nSo which one is the best?  This is the part where I hope folks who are shrieking "But...but Suze Orman told me to buy term and invest the rest" realize I am not some commission seeking scumbag:\n\nIT DEPENDS.  There is no "off the cuff" answer.  To know for sure which is the best for you, your specific situation needs to be evaluated.  Contrary to what other folks may say, I do recommend using an agent.  I do that because I am one and I treat clients properly.  If you go to an insurance company directly, you lose the benefit of having a local contact.  And guess what?  Generally life insurance companies are NOT going to give you a discount because there's no agent involved.  They charge the same and keep the commission money themselves.\n\nSo talk to an agent.  Talk to several.  Find one that you are comfortable with.  The agent should be focused on doing a full evaluation of your specific needs.  Be careful with anyone who says:\n\n"Buy Term and Invest the Rest." (they have a preconception of what's right without wanting to consider your case may not fit their mold - ask if they are willing to conside
935288
If you are a non-smoker and in good health, you should be able to get insurance that includes a doctor co-pay benefit and a drug card for under $100 a month.
35257
That depends. Assuming your company annualizes your commissions, meaning they pay your entire first-year commission upfront, here's how you figure it. Multiply the monthly premium by 12, ($100 x 12 = $1200) then multiply that subtotal by 80%, or .8, for a total first-year commission (FYC) of $960. \n\nIf they don't annualize your commissions, then you'll probably get 80% of the monthly premium each month for the first 12 months. I say probably because if you broker out the policy, some companies have monthly minimums they require before they'll mail you a check. You'll still earn all your money, but you may have to wait a couple of months until you accumulate the minimum. For example, I use a brokerage that will not send a check for less than $50, so if I earn $35  per month, I'll have to wait until the second month before I get my $70.\n\nAlso, please read my blog about insurance agencies so you have a better idea of how it all works, at newlifeagent.blogspot.com. Feel free to share it with others, and please let me know what you think.\n\nBest of luck, and good prospecting.
481686
I think about 850 US Dollar per month as basic
1096249
It doesn't. Group Life insurance just provides 1 to 2 year worth of income protection in case you die. If you decide to leave the company, you will no longer have life insurance and will have to get your own. It is better that you get your own to get more coverage.
586615
Good things about life insurance:\n1) In event you die, your family will be taken care financially (of course, how long this money last depends on how much coverage you bought)\n2) If you buy it now, you can lock in the premium.\n3) You can name anyone as your beneficiary\n\nBad things about life insurance:\n1) If you don't know the different types of life insurance, many agents will trick you into buying the most expensive product. (I suggest buying a 20 or 30 year Term and invest the difference. Its the most cost effective way.)\n2) Some life insurance policies contain a savings or cash value attached to it. Such policies should be avoided at all costs. Why? If you wanted to use it, you will have to borrow it. If you die, your family will not get the savings.\n3) The older you get, the more expensive it becomes. (thats why you should buy it now instead of waiting when you need it the most)\n\nGood thing about not getting life insurance:\n1) You don't have to worry about the monthly or annual premiums\n2) You can invest more money into your retirement.\n\nBad thing about not getting life insurance:\n1) Your family (or your future family) will face a financial burden and may have to take drastic measures to cope with the financial situation such as selling the home and living in apartment, cutting kids education, etc. in the event of your death.
170620
I am currently paying $576.00 monthly for my COBRA continuation insurance (PER MONTH).  This is riduculous, but I am afraid to drop it.  What a freaking rip off insurance is!