When you think about it, the life insurance settlement option
chosen by you is vital when it comes to what you really want your
policies to do.
Most life insurance agents fail to discuss settlement options with their clients.
The online life insurance salesmen give this matter even less consideration. This is so sad because settlement is so very important.
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You should give special consideration as to whether or not this policy is intended for
or for another specific need. Is this policy intended to provide an
income for your family or business...or is the need only for a lump sum.
Is there a need for a retirement income...whether through an annuity or a permanent life insurance policy. Is the policy intended to pay estate taxes...in which case a lump sum would probably be an exact fit.
Regardless of the purpose the life insurance settlement option you decide on is an important decision and is worth deep thought and consideration.
You will need to choose a life insurance settlement option from one of the following.
You can have the proceeds paid out in One Lump Sum. This is an advantage if the need is a lump sum need...like for last expenses etc. This can be wrong option if the intent is to secure the family until the children finish school. It is better to use an income option to fulfill this need.
There is nothing more important than your family's security. What would
happen to your family if you died? Would they be provided for? Compare
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Buyers tend to request a life insurance quote or several quotes on varying types of policies when they are in the market for life insurance. Some know exactly what type of policy they want but most...