Hello, I'm 59 but know nothing about life insurance. I was wanting to get a policy before I turn 60 to leave my two kids something and to pay for cremation. I'm wondering what the most reputable life insurance company is for Guaranteed Universal Life, that also has the lowest premiums. Ty
Has anyone had any luck in providing insurance for this? I've been turned down by multiple companies because they can't seem to categorize my services. (Assessing wine cellars for high end clients, offering pairing services for events-- almost exclusively intellectual work)
edit to add: I am in a ski resort town in Montana.
I am in my early 40s and my wife is her mid thirty. W currently have a 3 year old son far. I am planning to buy term insurance but I have trouble figuring out how many years I should buy. I do see term starting from 10 years to up 45 years. Also, I am thinking of investmentong for the child , but a friend of mine tried to sell universal index life insurance. I don't understand it well despite them telling me it will be a good investment for the child. lastly, I work in nursing , but don't have a short disability insurance plan and currently not offered at my job. we both work, but I want to make sure I am covered in case of an accident happen. please let me know my options so I can make an informed decision because I want to better prepare and protect my family. Thank you all!
I've googled and have found some articles that have "5 best' or the like but don't trust that they aren't somehow paid by the companies they recommend. Looking for recommendations for self and spouse, traveling last minute to Colombia for a week. I have a preexisting medical condition, he doesn't. I'm worried more about injuries and medical help/evacuation (worried in light of this earthquake) than coverage for petty theft or flight delays. We both have primary coverage thru our employers.
I've looked at BCBS global solutions (formerly GeoBlue), and that looked good and had good reviews, but then saw Zurich and Allianz. I've read that Allianz and Zurich sucked at payout.
Any help would be so appreciated! TIA!
Anyone know any insurance companies dealing with high risk cases?