Of the different types of Life Insurance, Which is the best & why?
Read anything with a huge grain of brackish if there is any chance for a conflict of interest. If you aren't likely to educate yourself in detail on this topic, find a registered financial planner who works by the hour and take no commissions from anybody and discuss your situation. The moment someone or some institution smells a commission, you should expect your interests will be secondary to making money off you. Nothing against the insurance industry, that's purely human nature, and I'd say matching thing about any product beneath the sun.
This is like asking what is the best vehicle to buy, it depends if you are a cultivator then a tractor, if you are a mother of 7 then a van, if you are a Donald Trump later a limo, if you are a hippie then a Prius.
I suggest you read about existence insurance here http://www.iii.org/individuals/life/
Then try using yellowpages.com to search for health insurance brokers within your area.
Don't call your auto and home agent they specialize contained by property and causality insurance. You need someone that specializes in vigour insurance.
A Broker represents multiple carriers and can help you sort through adjectives the different insurance companies and plan options in your state.
Answers: Since you asked a series of questions about Life Insurance and since not a soul (on line or in a quiz and answer forum) could answer your questions as they pertain to YOUR SPECIFIC situation, I suggest that you go touch with a financial planner (fee only).
First think give or take a few how you want your life to go - bridal, kids (number and timing), houses (how often you want to move), careers (how recurrently you plan on changing jobs and getting settle increases and promotions).
When you meet with the planner, discuss about these goals next to specifics -- how much money you make and how much you plan to make, when you plan to move to your first or your subsequent house, etc. The planner should take this information and develop a plan for your life.
Expect to salary a fee and expect to review this plan often.
Expect that near are a lot of things that you don't want to discuss - like passing and disability and divorce and health issues. These are all cut of life and affect your finances.
Good Luck.
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What's the best type of saw?
There isn't one. First define the involve - the job you want it to do. Different tools - including life insurance - are best for different job.
Define the job, then re-ask the sound out.
I'm no expert but it adjectives depends on your objectives. Term insurance is for a set period (you decide) at a set amount. Term insurance is almost always but for always cheaper than whole go. At the end of the term, adjectives you have is nothing. Some associates like to choose term vivacity to bridge the gap incase something happens. I own two 30 year term life policies. By the time they expire, I will be retired and own my kids out of college and married. By then, I hope to have adequate money in the bank to not want insurance.
Whole life policies are much more expensive but have added advantages. They certainly build cash value that you can desire to cash in at any time. Speak beside your agents. I disagree with the first posters comment. If you feel comfortable beside you P & C agent then he should be very capably qualified to service your insurance needs.