September 20th, 2011 
Health Guardz 
Hey there, it’s Tripp, better known as the Life Insurance Whiz.
So I see you’re hunting for “life insurance danville”. Before you make another click, run over to http://www.LifeInsuranceSecretReport.com and snag my FREE, easy to read, 16pg report exposing “33 Secret Tips You MUST Know about Life Insurance to Avoid Getting Ripped Off”.
Because chances are, up until now, you’ve been overwhelmed with…
-Thousands of websites trying to entice you with cute family photos and unrealistic offers.
-Companies trying to duke it out with who’s got the lowest quotes…who’s been around for 800 years.
Your brain is probably shutting down from information overload. As a matter of fact…you may have been tempted to throw in the towel on the whole dang thing!
Well, this report of Life Insurance Insider’s Secrets is going to make your life a WHOLE LOT EASIER.
You see…over the years I’ve learned that those things just don’t impress people anymore. When they’re searching for “life insurance danville”, what they’re really looking for is someone that’s REAL and relatable to give them the straight up facts, without just trying to make a quick buck off of them.
And unfortunately, I’ve witnessed first-hand just how rare that is to find.
That is until now.
Introducing my latest report: “33 Secret Tips You MUST Know about Life Insurance to Avoid Getting Ripped Off”
This Easy-to-Read 16pg FREE REPORT Uncovers:
What are the Different Types?
…Most people get these confused, which could cost you BIG
Things to Consider
…These will cause you to stop dead in your tracks and FACE THE FACTS
Yeah, But Do I Really Need It?
…A simple formula to prove whether you really need it or not
33 Secret Tips to Not Get RIPPED OFF
…Secrets tips agents don’t freely tell, that you must know
Who is Tripp?
…Who I am and why you should listen to me
In My “Not-So-Smart” Days
…What I use to do wrong and how it now benefits you
The Inside Scoop
…Some dirt on why insurance agents are so darn pushy
What Makes Me “The Whiz”
…10 Things that put me head and shoulders above the other guys
What Happens Next
…Okay so you’re strapped with knowledge on what to watch out for. NOW WHAT?
So ditch those thousands of boring company websites that are stealing your time and that you probably don’t even understand anyway, and head over to http://www.LifeInsuranceSecretReport.com to snag your copy of the real truth…free of charge.
Meet you there!
Tripp
http://www.LifeInsuranceSecretReport.com
Watch the video related to life insurance
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There is no difference. Someone is going to pay the premiums to get you covered, either you or your spouse. You will be subjected to medical exam and be asked some health questions to find out what your rate is.
If the life insurance company does it, you can add yourself as a "spouse rider" to your primary's policy to avoid additional policy fees.
There are two types of Insurance; Permanent and Term.
Permanent Polcies remain at the same monthly cost for the rest of your life.
Term policies remain fixed for a set number of years. After the set number of years the policy either terminates or can be rewriten for the same length of time, but you'll now be evaluated at your new age, not the age you are now.
Permanent Policies are similiar to buying a home. The policy builds Cash value and could potential increase your death benefit. You can take a loan out against your own cash value or should you cancel the policy at a later time, you will get the cash value paid out to you at that time.
Term policies are like renting. After the set term (5, 10, 20, 30 years) each party walks away. You don't get any money back, but you'll have paid less over the course of the 10 years.
If you were to get a 20 yr term policy now, at age 50 your policy would end (unless you had already died). You could then get another policy, but they'd rate you as a 50 year old, not a 30 year old. and at each of these 20 year renewals, you'll have to go through medical screening again.
If you were to get Permanent Policy now, you'll have a higher premium now, but at age 50 you'll still be paying the same amount as you are now. At age 70 you'll still be paying the same amount as you are now. At age 90? Same amount.
To figure out how much coverage you'll need, here's a handy tool: L.I.F.E.
L: Liabilities: mortgage, car note, student loans, credit cards
I: Income replacement: 5 to 10 times your annual income (though in your case, each of you have another 30-35 years working life in you, you might want more)
F: Final Expenses: Typically $10-25 k
E: Education: Education for your spouse, should they need to change careers to maintain their standard of living after you pass and/or college tuition for any childre you may leave behind.
So, with a $200k mortgage, $25k car loan, and $15k Student Loan, your "L" is $240k.
If you're making $50k annually, you'll need $500k for "I."
Let's call "F" at $15k
"E"? Well, 2 kids at $20k per year for 4 years each translate to $160k.
This mean you'll need $915,000 worth of Life Insurance.
I have my Life with State Farm. It's also giving me a discount on my car insurance.
Most of those people, are just HOPING to find life insurance money sitting around now that their relative has died.
70% of Americans die WITHOUT active life insurance in place. 95% of policies sold – not any particular type, but all types, across the board – stay in force less than five years, and don't pay out because they cancel first.
So the insurance companies make very very little profit off of insurance policies that never get claimed. The vast majority of their profits, are off the reserves.
But it's a good reminder – it's very, very important for everyone who HAS life insurance, to tell at LEAST two different people where to find it – and their will, and where their bank accounts are.
It's ALSO pretty easy to track DOWN life insurance once someone dies – as active policies send out a statement every year, even if they ARE paid in full. And if they're not, they will send out BILLS.
Wow; for someone who appears to place great stock in the financial advisory profession, StephenW sure does spread a lot of negativity about it. Numerically, the situation he portrays is accurate, but people actually do make an incredible living at it. As in any vocation with a 97% washout rate, the compensation for the survivors is going to be good.
Being a new college graduate with hopefully no significant commitments, you are in the best situation to succeed. The real question is whether or not you're the right type person, and if you are willing to stick it out. Can you commit to the next one to two years of 60-plus hour work weeks with total focus on building your practice, and total submission to your mentors? Can you always consider the good of your client before your own? Can you continue to look forward and motivate yourself toward your next success when most days you feel like a total failure? Is money your measurement of success? If it is, you won't last. If you are successful, however, you'll probably have more money than you ever considered possible. The secret is constant hard work and a burning passion to help others.
None.
Life insurance is a financial tool. If you have no dependents, and no goal you need the insurance to accomplish, you don't need insurance.
You can buy a prepaid funeral, or otherwise "self insure" for it by putting $5K in your bank account. Life insurance is NOT the most cost effective way to finance your funeral.
Basically insurance only works when a large groups of people own that particular insurance. Everyone pays to protect their income, but not everyone is going to use their insurance. So that's how basically insurance companies stay in business, unless something extraordinary has happen in this country where there's lots of people are filing for claims and the insurance company can't pay them all (such as the Hurricane Katrina event).
What is whole life insurance?
1) Its a level term insurance to a specified age (usually to age 95, 98 or 100) plus cash value.
2) It is very expensive when compared to term insurance
3) Cash value grows at a very low rate of return. In the first 10 years, you see a negative return on your money. But long term average is anywhere between 1-4%, depending on the company.
4) If you want to take money out, you have to borrow it and pay loan interest of 5-8%.
5) If you die someday, the insurance company pay the face amount of the policy (minus loans and missed premiums) to the beneficiary, but they keep all the cash value.
6) If you do get to live by the end of policy date (when you around age 100), the insurance company pay you the cash value, but you lose the insurance.
There's only one reason why that agent is trying to sell you whole life insurance: MONEY!
Next thing you'll know, that agent would try to sell you universal life insurance, a product that is more horrible than whole life, but it pays out more commissions.
Go with your instinct and find a different company who would listen to your needs. Try this site
http://free-best-life-insures-comparator-usa.blogspot.com/
Here you can get quotes from different life insurance companies in your area, its the best way to find an affordable life insurance with a reliable company.
The following site will give you a free side by side comparison quote of the best companies. It is free and easy and then you can make an informed decision
Agencies make their money from First Year Commissions (FYC) on new policies, and renewal commissions and service fees on policies which have been on the books beyond the first year.
If an agent works for an established agency, he/she will get paid a percentage of the total FYC. The total FYC could be anywhere between 40%-120%, depending on the insurance companies the agency represents, and what type of policy is being sold. Health policies pay a lot less than life insurance policies.
Of the total FYC, the appointed sub-agent would receive anywhere between 50% and 90%, depending on the sub-agents contract with the agency. Most agencies will pay advance commission on 75% of the sub-agent's FYC. Try this site to find the best life insurance
http://best-life-insurance-usa.info/
Here you can get quotes from different life insurance companies in your area, its the best way to find an affordable life insurance with a reliable company.
Allstate is by far the best. They are ranked in the top 50 employers book.