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Comparing Life Insurance Policies
Likeanyone else, you want a life insurance policy that meets your needs and budget. But how do you find the right policy when there are so many to choose from andmany of them seem so similar? The key is knowing how to compare policies andevaluate the results. Know what you want--and compare apples to applesYourfirst step should be to assess your life insurance needs. For instance, do youneed $100, 000 of coverage or $250, 000? Would you be better off with term lifeor a cash value policy? If you're buying term life, how many years of coveragedo you want? Are there any special features that you want in a policy? How muchcan you afford to pay in premiums? If you haven't answered questions like theseyet, you probably should before you start comparing policies. Otherwise, you mayend up comparing apples to oranges. For example, if you're torn between a termlife policy and a cash value policy, the decision you face isn't really abouttwo particular policies--it's more about which type of insurance is best foryou. Detailedpolicy comparisons make the most sense when you know exactly what you'relooking for. This makes your job easier,[link widoczny dla zalogowanych], because you can narrow your choicesdown to policies that provide the same type and amount of coverage. The moresimilar the policies you're comparing, the more accurate and useful yourresults will be. Try to get the most bang for your buckDon'tmake the mistake of comparing only insurance companies and not policies. Instead, choose a few reputable companies and get price quotes for the coverageyou want. Premiums may vary widely among companies for comparable coverage, andeven the same company may offer very similar policies at different prices. Should you buy the policy with the lowest annual premium? It depends. Whencomparing term policies that provide the same amount of coverage for the sameperiod, a simple comparison of premiums may be sufficient. But this is theexception, not the rule. Thepremium is an important factor when comparing policies, but often it doesn'ttell the whole story. What you really want is the best overall value for yourmoney. To determine a policy's true value, you have to dig a little deeper. Carefully read the fine print of each policy you're considering, and ask lotsof questions during sales presentations. A closer look at two or more policiesmay reveal key differences that would have gone unnoticed. Here are some thingsto look for and ask about: Do policy premiums or benefits vary from year to year? If so, what part of the premiums or benefits is guaranteed, and what part is not?
If a cash value policy, what are the company's projections of future cash value? How do those projections stack up against other cash value policies? Are the assumptions in those projections realistic?
Can you access the cash value through a withdrawal or loan? What restrictions apply? What is the loan interest rate?
If applicable, is there a guaranteed minimum interest credited on cash values? (Keep in mind that guarantees are subject to the claims-paying ability of the issuing insurance company. )
What charges and fees are associated with the policy? For example, what surrender charge will you pay if you give up a policy and take out the cash value?
Can you customize the policy to your needs with options or riders, and at what additional cost? For example,[link widoczny dla zalogowanych], how much extra will you pay for a "waiver of premium in the event of disability or accidental death benefit" rider?
Ifa more expensive policy has features and provisions that are more favorable toyou, it may sometimes be more cost effective to pay the higher premium. Ofcourse, comparing policies to find a good value is also important when thepolicies you're looking at all have roughly the same premium. Run some numbersDependingon how far you're willing to go, comparing life insurance policies can become acomplex numbers game. Insurance professionals use a number of methods tomathematically compare and evaluate policies. Most of these methods aredesigned to measure the true cost or value of a policy by taking into accountfactors other than premiums. These may include surrender charges, sales andadministrative expenses, taxes, rates of return on cash values, policy dividendprojections,[link widoczny dla zalogowanych], and the cost per $1, 000 of pure protection, both guaranteed andprojected. Twocost-comparison methods are widely used in the industry: the net payment costcomparison index and the surrender cost comparison index. The NationalAssociation of Insurance Commissioners, a group of state regulators, adoptedthese indexes to help consumers compare life insurance policies. Most statesrequire insurance sales professionals to run these numbers for you, so be sureto ask for this service if it's not offered to you. However, these indexes willproduce useful results only when you're comparing similar types of policies. Theadvantage of any comparison method is that it can help take some of thesubjectivity out of comparing policies. But all of these methods haveshortcomings and limitations. Most of them rely on the assumptions andprojections of the company that wrote the policy. Some of them apply only whenyou're comparing policies with the same premium outlay. Finally,[link widoczny dla zalogowanych], no index tellsyou everything you need to know about a particular policy. Use the results onlyto supplement what you learn from reading the policy, from sales presentations, and from other sources. Get professional help--you'll be glad you didAsyou can see, comparing life insurance policies is not for the faint of heart. Doing it properly takes a combination of patience, persistence, and industryknowledge. Few consumers have the resources or expertise to do the necessarywork on their own. In fact, it would probably take a full-time staff of expertsjust to compare and evaluate all of the life insurance policies on the market! Obviously, such large-scale comparisons are not realistic, but having even oneprofessional on your side can make a big difference. A qualified insuranceprofessional can assess your insurance needs, make sense of complex salesillustrations, and conduct a cost-benefit analysis of similar policies. Butdon't just pick any name out of the phone book--shop around for someone who'squalified and trustworthy. With the right person working for you, you'll bewell on your way to finding a suitable policy that won't break the bank. Onefinal word of caution about policy sales illustrations: It's important to asklots of questions about these illustrations because some of them can bemisleading. For example, the illustrations of some companies are based onunrealistic assumptions about a policy's future cash value. Written byTerm Life Insurance Rates | Term Life Insurance Quote Online: BeamaLife.Topics related articles：

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