Most people are inclined to buy term life insurance because someone
recommended that they do so.
Some people talk with so called experts and get good advice...but there are some who are misled.
Some people like to think they are experts on all subjects...there are some lawyers who think they are insurance experts and even some doctors offer advice to their patients on the subject.
Whether or not you buy term insurance should be a decision for the true experts to make.
The decision is an important one, there is nobody who knows your need better than you.
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You are the expert as to the purchase of
You know why you need life insurance and
You know how much of your hard earned dollars you can apply to a
You know what kind of plight your loved ones are going to be in should you die while they are dependent on you. You know you need to buy term insurance...at least on a temporary basis.
You know how soon you would like to
and what provisions you have made for that event. You know if you would
like the security and tax advantages of an I.R.A. You know whether or
not you have taken advantage of all the tax free accumulation plans
available to you.
You know whether you want a whole life policy, a universal life insurance policy, a variable life insurance policy or a variable universal live insurance policy. Yes, you are the expert who needs to decide whether or not to buy term life insurance.
On the other hand, you may not be too certain and need to call in
an expert in this area who has spent many years studying the subject
based on peoples needs and wants similar to your own.
In this case you need a qualified life insurance agent to assist you when you want to buy term life insurance or permanent life insurance. Even in this case you will need to answer some questions in order to help him or her assist you.
I urge you...do not let some person who knows nothing about your financial needs advise you on the subject. I have provided many ideas on this site to help you make a decision as to whether or not you should buy term life insurance, examine them carefully and make a decision or call in a qualified agent.
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