I haven't, but what I have heard is that it is much more expensive than term insurance. I guess it's like a life insurance policy and a savings account all in one. It would be nice to make out like a bandit when you turn age 100, well if you actually will live that long

I went ice skating with the grandkids over the holidays and I done fell and fractured my hip. Now what the hell am I gonna to do.. These insurance companies are all just a bunch of money suckers, they don't want to protect their elders. I have yet to hear any of you kids out there tell me what to do.

I just came back from the doctor and he said I am in perfect health, my hip is going to be fine and I can't see why the insurance companies won't give me a good rate. Once you get old they want nothin to do with ya.

I was going to go play golf again this weekend. Any of you insurance people want to come with so that I can beat you! Bet you won't decline me if I can beat you at golf!

Quote from OJ on 02/06/08 at 14:09:46:

 
I am in Bradenton Florida.

Quote from Boyd99 on 11/01/07 at 14:51:54:

 
You must ask yourself a question. Are you just looking to provide protection for your family? Or you’d be interested in combining protecting (insurance) with savings account?
 
Term insurance is pure protection, in other words you're renting insurance. If you were to die yesterday your family will receive the benefit. If you outlive your policy, your family will get nothing and money you have been spending on term insurance will be lost. If you decide to buy another term insurance after your old policy expires, the premium will be significantly higher, opposed to what you have been paying for your old policy. The death benefit always remained the same; it does not increase in value. When underwriting a policy, insurance companies primarily look at current health and age. Do you know when your current term policy will expire? Premiums you're paying, are leveled or increasing as you get older?
 
On the other hand, whole life policy provides insurance for like, regardless of when you stop making premium payments. Whole life policy provides protection in form of death benefit, you death benefit grows as you become older. Whole life policies pay dividend each year, dividend rate varies depending on the company you may choose to buy your policy from. Dividends may be taken in cash, applied to reduce your premium payments, or may be reinvested back into the policy, by doing so your, death benefit will increase over time and your cash value will grow. In another words, the benefit of a whole life allows you to have protection and invest money in very conservative way.  
 
 
When choosing Life Insurance Company I would recommend doing some research first.  You would want to deal with AAA rated company only, because you want to make sure if anything does happen, your family will get the death benefit within timely matter and without any hassle.  
 
Please be advised, there are stock life insurance companies and mutual companies. Pay very close attention when selecting company.
 
Should you have any questions, please visit my site, or call me.
Eugene Goldberg
212-819-1800 ext 6659
 
www.nmfn.com/eugenegoldberg
 

There are lot of ways to ones problems and you can solve them easily one you have better suggestions ….like the ones above…keep going mate
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