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Term life insurance is arguably the best investment in		Select the right length of coverage. Everyone
todays financial arena. It brings peace of mind at an		has different needs, and not one size fits all when it
affordable price; it is so important to protect yourself and		comes to term life insurance. While it may make sense
your loved ones against any eventuality. Too many		for people in their 30s and 40s to secure a 20-year term
people in the U.S. are not sufficiently protected with life		length, a 10-year term might be more appropriate for
insurance, and many do not realize that for just pennies a		someone nearing retirement. People who are trying to
day they can protect their family with term life insurance.		quit smoking, for example, might be best suited
		purchasing a shorter term (and then replacing it with a
Whole life insurance policies often cost thousands of		longer term policy when they qualify for non-tobacco
dollars a year, as opposed to the mere hundreds of		prices). Lastly, individuals who have 30-year mortgages
dollars a year that the majority of term life insurance		might want to consider a 30-year term to ensure that the
policies cost consumers. For example, if you are a		house is protected throughout the period of the loan.
healthy, non-smoking 35 year old male, you can get a
10-year, $100,000 term life insurance policy for as little		Buy before any major health issues arise.
as $7.09 a month (or as little as $6.56 a month for a		Healthy people have the best mortality risks and thus are
comparable female).		much cheaper for companies to insure. This translates
		into lower rates for the Super Preferred customer than
		someone with higher risk factors such as a heart
		condition, cancer or diabetes. Conversely, if you were
		unhealthy when you acquired your policy, and your
		health has now improved, it might be time to shop for a
		new policy, as your rates are likely to be lower.


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Reconsider "supplementary" additions to your		Work policies arent always the best deal.
health insurance. You may already be adequately		Work policies are often based on a composite profile of
covered by your existing plan. Also consider that a		the employees you work with, many of whom may be less
component of auto insurance covers certain portions of		healthy than you, or have other underwriting factors that
health insurance (and vice versa). Check your		might drive up rates. These type of policies also expire
policies.		if/when you leave the company. Inexpensive term life
		insurance polices that cover your dependents until they
Avoid plans that exclude pre-existing health		can live comfortably on their own are often a better
conditions. You may end up paying for a policy		alternative.
that doesn't cover you, which defeats the purpose of
having insurance! If you must, try and get one with
a maximum six month waiting period.

Poughkeepsie Insurance
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