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What exactly is life insurance and how does life insurance work?

Insurance Info — Sun, 27 Dec 2009 04:59:27 +0000

cythia asked:

What exactly is life insurance and how does life insurance work?

I don’t understand, won’t you be dead or something so what does it do for you?

What happens if it doesn’t get cashed in, what does that mean?

Sorry I don’t understand, please explain.

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What exact is whole life insurance, and how do life insurance companies profit from selling it?

Insurance Info — Mon, 21 Dec 2009 21:07:45 +0000

carie asked:

Agents are always extremely keen about selling my family whole life insurance instead of term. According to the agents, whole life is preferable to term since it does not expire and as a result the beneficiary is guaranteed some payment upon the death of the insured. However, why would the insurance company profit from such a setup if they are bound to pay back an amount that is at least equal to the total amount paid?

I have tried to do some research on my own, but I still can’t seem to fully understand this matter. Any help will be greatly appreciated!

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What is the best life insurance company to work for with great commission?

Insurance Info — Wed, 16 Dec 2009 07:49:48 +0000

Ms L asked:

What life insurance company is the best in the nation to work for and why? I am doing research and trying to figure out which life insurance company is best to work for or what is the best strategy working in the insurance field.

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What is the most affordable life insurance and health insurance?

Insurance Info — Wed, 09 Dec 2009 03:26:00 +0000

johnny asked:

What is the most affordable life insurance and health insurance?
Where can I find Affordable Health and life insurance for me and my wife?
What is the best web site with online quote?
Any answer will be appreciated.

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Being a new life insurance agent, what are ideal ways to enhance portfolio of life insurance customers?

Insurance Info — Fri, 27 Nov 2009 07:17:45 +0000

Knut asked:

One year down the line in life insurance business, I feel lack of custmers affecting my growth. I’d like to grow my portfolio of customers using new ways to market myself. Till now I have used friends and relatives and past customer base as my target audience. How do I target the strangers market and how do I productively segment it.

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What exact is whole life insurance, and how do life insurance companies profit from selling it? carie asked: Agents are always extremely keen about selling...
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Life Insurance?

Insurance Info — Wed, 18 Nov 2009 14:22:40 +0000

livinlife asked:

My husband, 32 and I, 30 are looking into life insurance. Can anyone tell me which company or websites I can use to get information. There are so many out there… wouldnt know where to start. Who do you personally use? Is there a medical exam involved? What type of premiums are you paying? Is it fixed or does it go up every few years? We live in Florida also. Any help would be appriciated.

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What exactly is life insurance and how does life insurance work? cythia asked: What exactly is life insurance and how...
How long does a life insurance company keep a death certificate? britany asked: If a person who died many years...
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What is the best health insurance and life insurance policies?

Insurance Info — Tue, 13 Oct 2009 18:57:13 +0000

charisse asked:

What is the best health insurance and life insurance policies? 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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How do life insurance agencies make their profit?

Insurance Info — Tue, 13 Oct 2009 17:07:19 +0000

Monica Sandler asked:

I have a few questions here and thanks in advance.

Can anyone please explain how do life insurance agencies (or financial advisory agencies) make their profit?

Is that true that the life insurance companies are paying around 100% of total first year premium to the agents? How do the agencies split that with the agents?

I would appreciate if you can throw in some numbers, since i am looking to invest some angel capital into an agency, so you would help if you give numbers.

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What is the Purpose of Life Insurance Policies for Children?

Insurance Info — Fri, 09 Oct 2009 04:58:53 +0000

Yup* asked:

I thought life insurance policies were for the remaining family members after a person’s death. For instance, the main worker in the family should get a life insurance policy to ensure their spouse and children have enough money if somethign were to happen.

Now since children do not contribuite to a household income. Why would there be life insurance? Besides the funeral costs, their death would not impact a family financially, would it? I just saw a commercial for one, and it got me wondering. I am only 16, so no rude comments if I have the point of life insurance all wrong here.

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How long does a life insurance company keep a death certificate?

Insurance Info — Thu, 08 Oct 2009 00:37:23 +0000

britany asked:

If a person who died many years ago was said to be listed as beneficiary on a life insurance policy of a relative, and the insured relative died last year, about how long does the average insurance company hold the certificate during its investigation? Weeks or months? Does it make any difference that both people lived in different states?

Please state some factors involved. Thanks.

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What is the best life insurance company to work for with great commission? Ms L asked: What life insurance company is the...
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