Question by 2012 will be a great year: What are the different types of life insurance? What are the pros and cons of both?
Which life insurance companies do you recommend? How young is too young for your child? He’s 1… I’d like to leave my family with the security and without the stress of “money” when I die, but I don’t know where to start. Thank you in advance!

Best answer:

Answer by darthdubious_1
Well, there’s term life, and whole life. Term life has alot of restrictions and is more expensive the older you get. Whole life can be paid in full and borrowed against, and the younger you are the more coverage you can get. As far as your child, I heard about Gerbers putting out a whole life program for kids under 12 on Cartoon Network watch it they play the commercial alot. Hope this helps.

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Question by have fun: What is the life of an insurance saleman like?
I wanted to join a “company” World Finance Group, part of AEGON. They say they will train me about life insurance and difference securities and how to recruit more employees and customers. So far the membership fees and background check is $ 100 ! They dont want to reveal how much of this100 goes to membership and how much goes to background check! So far I understand that they customer that I would have would be the people I know. I will use their offices at “any local representatives”, I will have to services the accounts of my customers, have them to choose the right investment, mostly life insurrance. Sound an interesting job. I learn business anyway. BUT this whole thing looks more like a scamp or not suitable for me at all! Pay for a membership and then go out and look for customer on my own. They dont reveal to me the average income of their employees, they dont really revea to me how much time and effort one should pay, and whether they would get any customer at all!
by the way the website is WorldFinanceGroup.com

Best answer:

Answer by aaron p
I have never heard of them and they aren’t on the Aegon website. As far as paying money up front and having to find your own clients, that sounds normal and that’s why so many don’t make it.

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A life-threatening illness struck Roghie just as she was preparing to head to American Income Life’s annual Convention and the fulfillment of her dream. But nothing could stop her. After Convention and a few weeks after surgery that included several return trips to the hospital, she was working again with the help of her son. “AIL saved my life” says Roghie, “and helped me believe I could do it.” Her love of life and her indomitable spirit are an inspiration to every American Income Life Agent.
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Zach Hart went from a life without purpose or direction to one focused on success and broke American Income Life’s annual and monthly sales records to become AIL’s top personal producer in 2005. And if Zach has his way, he is just getting started, because BIG is what he wants to accomplish. With the support of his family and his burning desire to succeed, there is no stopping him.
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Insurance Leads that Want to Hear from You | Free Online Insurance Leads … www.freeinsuranceleads.co Forget the old days of buying ads in print media to get qualified insurance leads. Insurance prospects now use the Internet with increasing frequency to gather insurance information…
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Question by Donald: What is a life settlement for a life insurance policy?
My parents are in their eighties, and I was told that they could sell their life insurance policies via something called a “life settlement.” Could anyone fill me in on what that is, without trying to solicit my business? Thank you.

Best answer:

Answer by dusty_titus
There are buyers galore – Your parents turn in their life insurance policies which pay upon death, and get a percentage of the value right now and when they die, the company that buys their “life settlement” gets the whole amount. Its a way for people to cash in their policies for ready money, rather than letting the named beneficiaries collect upon death. Your parents would only get about 25% of the total value of their policies, and you’d be out! They should perhaps check into “borrowing some money on their life insurance policies” from the Insurance company, benefits are paid upon death, but less the borrowed amount. Google “Life Settlement companies” for websites. Read their proposals very carefully.

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American Income Life Insurance Company has provided an incredible journey for Jose Lopes, former educator, author, and native of the Cape Verde Islands. This self-confessed dreamer knew his dream was bigger than his native homeland, so he moved to Boston. While attending mass one Sunday morning, Jose found a new direction for his life. He became a representative for American Income Life to help the thousands of Cape Verdeans in the Boston area and in a few short years has exceeded all expectations for success.

Watch Scott Page appearing on Atlanta & Company to discuss retirement options and working with Betty White. He shares thoughts about our life settlement company, our viral music video, “I’m Still Hot” with Luciana and Betty White and knowledge of a creative retirement option we created in 1989. Selling a life insurance policy may be an option for you or someone you know in the future. Life settlements are quickly becoming a creative financial planning tool for baby boomers and seniors to help maintain or create the “golden years”.
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Question by darkmanx1209: How do Life Insurance companies make money?
Someone I know has a whole life insurance policy with Metlife with a face value of $ 50,000. The annual payment is $ 290. How does Metlife earn money when they pay out much more than they get in?

Best answer:

Answer by src50
They invest the premiums.

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