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Tips For Buying Life Insurance
1. Buy adequate coverage.
Strive for enough to really protect your family. It’s tempting to procrastinate
or squeeze by with less protection. No one ever thinks tragedy will strike. But
the point of insurance is to protect your family in the event of a tragedy!
Thousands of families are now struggling because they didn’t take protection
seriously.
2. Buy only one policy per
family.
Life insurance policies generally have a fee that pays for the processing and
administration of each policy. This can be as high as $50-$100. Separate
policies mean separate fees. If you have separate policies on yourself, your
spouse and your children, you could be losing money! A primary policy and a
“rider” for your spouse and children could be more economical.
3. Avoid life insurance on children.
Life insurance on children isn’t necessary in most cases. The coverage on the
adults will provide for the children. If you really feel it’s necessary, buy
only enough for burial expenses. And remember to purchase the coverage as a
“child rider,” not as a separate policy.
4. Avoid expensive “gimmicks.”
Remember that extra options on your policy mean extra costs that can prevent you
from buying the maximum protection. One possible exception might be a Waiver of
Premium benefit, which provides for payment of your premium if you become
disabled for a period of time.
5. Avoid insurance policies
disguised as something else.
Some companies offer various types of specific-coverage insurance, such as
mortgage insurance. These are nothing but life insurance policies! If you want
to assure that your home would be paid for in the event of your death, simply
add more coverage to your primary insurance policy. The same is true of
short-term life policies like credit life, which is nothing more than an
expensive form of decreasing term. Although the salesperson may sometimes leave
the impression that this is required, it’s not!
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