does any body know of a really affordable life insurance policy for a single parent  with children?
925306
My condolences about your friend and her loved one.\n\nI’ve linked to articles describing how to choose a life insurance and how to calculate how much life insurance you need. I’ve also linked to online calculators to help you figure it out. Deciding how much life insurance is enough is a very personal decision – what’s right for you might not be right for someone else.  I’ve also linked to an article about what to look for in renewable term life insurance.\n\nYour concentration on the life insurance company is a good idea, since your life or disability policy will only be as solid as the financial strength of the insurance company you choose. After you read the articles below and get a firm idea of what kind of policy you’re looking for, try visiting MostChoice.com. You can compare insurance policies online quickly and speak to multiple insurance agents working in your community – all without any obligation. It’s a quick and simple way to swiftly survey the local insurance market, and MostChoice provides information on more than 140 companies with A+ or better financial ratings.\n\nYou can find MostChoice here:\nhttp://www.mostchoice.com/life-insurance.cfm\n\nHope this helps,\nBarnes@MostChoice
1123839
It is completely obvious that the previous person works for Primamerica which only sells a TERM product.  The person that said you should listen to Suzie Orman is an IDIOT.  The recommendations that Suzie makes are for the general public, But you need to talk to an adviser to find out which Life Insurance product is the BEST FOR YOU.  There are professionals out there that will sit with you and find out how much coverage is needed and why that is important to you.\n\nThere is a good chance that you will need life insurance in 30 years if you save correctly.  Have you ever heard of tax-free withdrawal of cash value?  Have you ever heard of supplementing cash value in a Permanent policy to pay income tax on your retirement accounts?  Have you every heard of ESTATE TAXES?  Both Term and Permanent products are good and will help you accomplish the objectives that are important to you.  Most successful people own a combination of both.  Be careful when buying Universal life that you fund it properly so that it does not dissolve with its "Flexible Payments".  Go see a professional. (Northwestern Mutual, New York Life,  Mass Mutual)
861829
Over 50 plans are all well and good, however most do not offer full cover until you have been a Member for over 24 months. If you die before that time you only get your premiums back, not the life sum assured.\nCall a financial Adviser to ask about your own individual requirements. The first consultation is usually free and without obligation (they will tell you over the phone ). He /She may be able to suggest a better option as they can research the whole market not just one company. Good luck
420586
Go here...\n\nhttp://www.alllaw.com/calculators/Childsupport/california/\n\nAnd type in your numbers.  The amount of the insurance premium that YOU pay that covers the CHILDREN.  So of coverage for you would be $200/month, you get to claim the extra $200 that provides coverage for the children.\n\nBut use the support calcualtor and you can get a good idea.
892486
I'm sorry but I'm pretty sure you won't find a policy that covers those things.  You have an investment related problem, not an insurance one.  Talk to someone who can get you an investment that you can pull out of in the case of an emergency and will be sufficient enough to provide temporary income replacement for a specified time period.  It is also a general rule to always have on hand at least 6 months of income replacement in a savings account somewhere for emergencies only.
675295
call an independent insurance agent- not farmers or allstate or state farm- an independent agent that handles dozens of companies- check the yellow pages under independent ins agents- they can shop the market for you and find you the best deal- you are their customer and they will do the best they can for you because they are not married to just one co !! they represent lots of different companies-- i am a retired independent insuraqnce broker for life and health insurance- good luck to you-- as a last resort- you can check with the state dept of insurance to see if there is a high risk pool that must take you irregardless !!
264529
a good life insurance might also help
10711
I have had some success listing my life business here: http://www.insuremylife.org\nMake sure when you meet with your customer that you go over income, property, loans, retirement goals.  Determine proper coverage amounts.  Always ask for referrals.
19232
Schedule a meeting with 2 different local agents from well known companies.  Tell them that you want to get life insurance and wait for their response.  If they don't ask you about your income, assets, loans, future plans.. then they are wasting your time.  You need someone that makes sure you get the right amount of coverage and the right type of coverage.
1048438
A term life insurance policy is a contract between you and the insurance company where if you die during the contract term they will pay your beneficiary the amount specified in the contract.  This is pure insurance and there is no account or cash value.\n\nFor example: If you purchase a 30 year TERM policy for 1 Million dollars then the insurance company will pay your beneficiary $1 Million dollars, tax free if you die in the next 30 years.  Some term policies offer conversion options without underwriting should you want to extend your insurance beyond the original term.  You would be converting into one of the policies I mention below.\n\nTerm insurance is the cheapest option and the shorter the term the lower the premium.  You may have heard the people say "buy term and invest the difference".\n\nSome term policies offer a "return of premium" rider.  This option usually increases the premium 30-40% (ballpark).  If you survive the term of the policy they will refund the premium you paid.  These policies do accumulate a small account value.\n\nUniversal and Whole Life Insurance Policies are the ones that accumulate a cash value.  Whole life policies are the most expensive because they are guaranteed to be in force until age 100.  Universal policies may or may not be in force until age 100.  If it doesn't say guaranteed to age 100 then it isn't guaranteed.\n\nThe account value of these policies grows over time and you can then either withdraw cash or borrow against it.  if you take the money out it may be subject to taxes.  If you borrow it there are no tax implications as long as you don't lapse the policy.\n\nLife insurance policies are not the best investment vehicles, but because of the tax benefits they can be a good alternative depending on your tax bracket.\n\nAgents will most often try to sell you a Universal Life policy.  This is because the premiums are higher than term and the commission is that much better.\n\nI tend to recommend guaranteed level premium 20-30 year term policies with convertibility options (just in case).  You should only consider companies rated A- or better.  I find the best rates come from American General, First Colony, Genworth, Met-Life, West Coast Life,  and Prudential.\n\n"A wife doesn't know the value of a life insurance policy...but a widow does."
306707
Try Standard and Poor's.  Call the health insurance company you are interested in and ask them to send you a Fact Sheet on their company.
740452
a few questions for you one do you pay for your policy at work if you do then stop you do not want to pay for something now and then if you leave before you retire you are out of luck usually where that coverage would drop off so I would recommend instead just getting a term policy and using some of that money that you would have used for the premium at work and a little extra that you would already be paying \n2 how old are you I would get as long as a term that you can afford because the fact that you cannot guarantee how healthy you are going to be in 5 year let alone 30 years\n3rd I would tell you what I would do if I where you I would get a $100,000.00 UL policy plain and simple that rate would stay the same for the rest of your life, and then if I needed more then the $100,000.00 I would then get a term policy for the remainder in a term policy for the maximum amount of time that one the insurance company offers you and secondly that you can afford if you have questions and want to hear some rates IM me at rahnside and I can pull them up for you I or another Life Agent is Licensed in every state of the US and have over 20 AM Best A- or better companies \n   A Life Specialist \n            Rahn A. Sidebotham II
275258
You can probably find an estate planning lawyer who will give a free 30-minute consultation.  I know you only want a will to name a guardian for your children, but a qualified lawyer can discuss other things with you like a durable power of attorney for health care.  Remember Terri Schiavo?  Laws like to address those issues at the same time.\n\nFor a quality will, you might pay up to $300.  You might pay more and you might pay less, so shop around just like you would for any other service.  Ask friends for recommendations or call the lawyer referral service of your local county bar association.
1045869
I'm sorry to hear your situation but you do have options. You can compare quotes from InsureMe. They offer you several quotes and accept many medical conditions.\n\nYou can also look into life insurance with no medical exam required. This may cost a little more, but you get quick approval, if qualified. There's no exam, no agent to deal with, and no delays. Try out quotes from both options. And good luck with getting your coverage placed at a reasonable rate. Take care.\n\nhttp://www.term-life-online.com
380480
Yes there is..It's called wellfare help..sounds awful i know..but this is about supporting your 3 kids till things get better in your life..and it will..it's just going to take some time...trust me the wellfare office understands the struggles of single parents and by u going down there to apply for the things that u are having trouble to make ends with...they will help u...so long as u are 100 percent honest with them...Number one..if u don't have medical insurance to cover the kids...u will get it right away..since u are a family of 4.(not including this guy)and u make 40 thousand or less u can get it..including foodstamps..(just untill things get better).U can also apply for public housing..sure that sounds awful..but there are alot of places that are decent as hell and u wouldn't ever know that the landlord allows section 8 people.(section 8 means the landlord gets there rent period no questions ask cause the state pays him u pay him just a little maybe only 100 to 200 a month only set back is u are on a waiting list..but it goes quick in the spring time..u can also get help with heat the list is endless..all u need to show them is all the kids Social security numbers,yours as well..proof of paycheckstub from your job and copys of all your bills that u pay.like car insurance gas bill electric bill ect ect..u will be flabbergasted on all the areas that the wellfare dept can help u with...Remember this is your tax money that is helping u so why not make it work for your kids\nthere is also a place called the YWCA not YMCA(thats for men)they help with apartments furniture childcare ect ect..i know u ask for financial help here..instead of getting a check to cover your bills..all that i mention above they personaly pay your bills for u..if u ever want to talk more to me please feel free to contact me through my name...Good luck sweety u can do it..and get rid of the abusive so called boyfriend u don't need this right now..u and your kids come first and nothing else..PERIOD
127544
Life insurance - seek out a Financial Planner who specializes in insurance and estate planning. DO NOT go to a captive agent (who will sell you whatever his company has to offer) or to anyone who uses a "multiple of salary" approach to determining your need for coverage. Online insurance sites are going to quote only term life for you, which may very well be the right thing, but it may not. The bottom line is to avoid anyone who is going to make their product fit your situation in order to make a sale.\n\nWills - be careful with DIY kits/software. Wills and trusts are usually controlled by state laws which can and do vary from state to state. DIY kits tend to use generic language which might cause propblems in some states. A worthwhile attorney will meet with you free of charge initially and will tell you how much your wills and trusts might cost to set up. If you must go DIY, make sure the software is very up to date and state specific.\n\nIf you happen to be near Philadelphia, PA check out my website, www.acanthusassociates.com and let me know if I can help you.
733231
Are you buying your own plan or are you employed? Employer based insurance is usually the best and the cheapest.\nIndividual policies are okay the thing is as you add more things to it the price goes up. There are tons of of websites offering "the best insurance" but this is what you need:\nLow deductible, Low inpatient stay deductible/copay.\nReasonable pharmacy plan if it's offered with the medical.\nDo they cover your annual exams for both you and the baby, some individual plans don't.\nDo they cover baby vaccines. \nLabs and radiology is there a copay? Some radiology tests may on different plans.\nBirth Control what products are covered, if any? (after you deliver)\n\nAt my job I suggest www.ehealthinsurance.com