I need a good life Insurance for my mom, father and me.....?
My mom is 58 years old, non-smoker but is not too healthy. She has osteoporisis, arthirtis and colon problems. She wanted me to find out a good life insurance for her..maybe I might do a package for me too..but I am a smoker with no kids, not married. It's a way of being protected too just incase. My father is also in his 60's but has one kidney, smoker, and takes dialosis.. I was thinking of Guardian life isnurance but I know it's going to cost alot on a monthly basis...any other good reputable companies out there...
You may get a good life insurance but it will be cost if the person gets older....
Anyway, I got a good rate from the following site;
http://www.insureme.com/landing.aspx?ref...
You need to do your homework. Just input some data, then you will get a good life insurance quote from it.
Good luck!
Have a look online first
Go talk to a licensed agent (or more than one) in your area. Your situation and your parents' situation sounds more complicated than can be answered on a message board.
Good Luck.
There are several very good life insurance companies that may offer you quotes you can compare and see which fits your budget.
Here is a list of some good carriers for you to consider:
Top Term Life Insurance Companies and heir A.M. Best Financial Ratings
New York Life A++ rated by A.M. Best
Nationwide A+ rated
Globe Life A+ rated
Allstate A+ rated
Prudential A+ rated
Liberty Mutual A rated
Farmers A rated
State Farm A++ rated
AAA Life Insurance A- rated
Metropolitan (MetLife) A+ rated
Northwestern Mutual A++ rated
AIG A++ rated
Liberty National A+ rated
Mutual of Omaha A rated
Country Insurance A+ rated
MEGA Health and Life A- rated
American Family A+ rated
RBC Insurance A rated
Also, if you want life insurance without taking a medical exam, you may want to consider RBC Insurance at http://www.rbcexpressterm.com/partners/d...
For you parents, they may qualify for Globe Life Insurance with no medical exam required. You can learn more about them at http://tcgtrk.com/click.pl?l=131&ca=3717...
I hope that helps you find a good life insurance company that can offer you affordable coverage for your parents and you. Good luck.
I always refer for all my insurance needs to them they give me quotes which i can compare and decide later, you can also share your insurance needs with them here,
"http://www.jdoqocy.com/email-1961891-104...
If you or your parents are business owners you could look into starting a small group life policy. Group life does not usually have any underwriting.
Answers:
I agree with babysis- check Global life for your parents, and for you check any company (you'll get a low rate anywhere). Global Life in my experience seems to write policies for older people. I would consider individual policies for you, mom and dad, versus putting everyone together. Your premium is going to be low, mom and dad higher, with each underwritten separately, with a separate premium on each policy. Term life for mom and dad, and for you look at a whole policy that builds value over time. Consider how much of a face value of each policy you would want- if mom were to pass away, how much money would you and dad need to take care of the final expenses for her and other debts, and possibly take care of dad in his later age would be some things to take into account.
You might try getting a quote online. They got me a policy for under $10 per month. Get a quote at: http://www.insureme.com/landing.aspx?ref...
try searching at this site
http://www.the-insurance-masters.com/...
It may bring up some interesting results.
Check Global Life Insurance