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Saturday, December 29, 2007

A Lecture From Mom

My Mom and I got into a conversation regarding life insurance. Her lecture on why I need to have this coverage at this time of my life is important, got me thinking I should consider it. And by the way, You're never too old to get a lecture from a parent!

For some reason, I never really thought about it. The whole insurance thing confuses me. All the different types of policies, terms, values etc...

I certainly don't want to leave a financial burden on my son or other members of my family. If you have experienced a death of a parent as I have, it is such an emotional time, with many other things to do which clouds your mind for days, weeks and months.

Turning to the Internet as I do for most things I research, the first site I came across was Advantage Term Life. I was able to read information regarding all the different types of policies in easy to understand language.
Information on:Term ,Whole Life ,Universal,Key Man ,Second to die ,Group Policies ,Mortgage,Smokers

I was interested in learning about the Whole Life Policy and the Mortgage Insurance policy. The Mortgage policy would pay off the mortgage in the event of death or become terminally/critically ill.

This site offers free quotes and the ability to compare rates, so I guess you can say I took my first step. Won't my Mom be happy!

Does anyone have knowledge in this area to help with my confusion?

2 comments:

txmedicalfreak said...

Insurance is confusing. You never know when you may need life insurance. My mother passed away at the age of 60 from Breast Cancer. I have life insurance through my husbands employer but, I keep telling him that he needs to increase it. We have the Mortgage policy on the house and something like it on our car. Another good insurance to have is "uninsured" and "under insured" on you cars.

AC Associates said...

Hi there,
Thanks so much for visiting. Insurance does have me confused!
Sounds like you are protecting yourself. I need to make a decision soon. I do have some life insurance through my company but it really isn't enough.
Thanks for sharing.

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