What is the best health insurance and life insurance policies to go with?
What is the best health insurance and life insurance policies to go with?
I am recently out of the military and need to purchase an individual health ins policy. However, I am not sure which ones are the best. I am a student, do they offer any good student policies? Also, is the SGLI to VGLI conversion a good change to make? If not, which is better term or whole life insurance policies?
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November 12th, 2009 at 12:09 pm
For life for life for life insurance you can include with met life insurance you can include with met life insurance blue shield is great and check with your health think.
For life for life for life for life insurance blue shield is great and check with your health.
November 15th, 2009 at 2:16 am
vgli is a 5 year renewable term policy meaning you can renew it every 5 years for the same amount of insurance but your premiums will have gone up cause you’ve gotten older.
as far as whole life vs. term i tell people it depends how old they are and what they’re resposible for financially. ie: If you’re young and dont have a family basically you’re just responsible for putting yourself in the ground.
a whole life policy will also be much more expensive than term.
ie: a 25 year old might pay $400/year for a 20 year $500k term life policy while a $500k whole life policy would be maybe $3500/year or so.
however your whole life policy builds cash value which earns interest. if you actually keep the policy for awhile (~15 years) you end up with more than what you paid into it and still have the face amount of life insurance protection in the mean time.
the term life argument is you get the term policy and with the money you save you invest it in some other way with the idea being you’ll get a better return than what the insurance company will pay on your whole life policy.
as far as health insurance, dont you have VA benefits?
November 16th, 2009 at 5:39 am
My family have this health insurance it is affordable and has good coverage for dental issues.
November 16th, 2009 at 6:46 am
For life and health insurance so you can get quotes from different companies for life and health insurance so you can find your best option httplinsurancenotlongcom.
November 19th, 2009 at 4:31 pm
For pre existing conditions united healthcare premium was more than my annual income finally went with united american.
November 22nd, 2009 at 2:45 am
My sources good luck andy.