9 tips for buying life insurance (1)

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Blue Horizon
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9 Tips For Buying Life Insurance
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• A life insurance policy can provide your family
  with financial security when you pass away,
  whether thats tomorrow or many years from now.
  There are many options available, but buying the
  best life insurance in California requires some
  careful consideration on your part. These tips
  will help you choose the right policy at the
  right price so you can put your mind at ease,
  knowing your family will be taken care of after
  youre gone.
• Top Ten
• The type of life insurance you should buy depends
  on many factorsyour age, your familys
  situation, whether you have dependents who are
  financially dependent on you, and so on. But
  these are some general tips to keep in mind. The
  cost of life insurance is relatively small
  compared to what it can provide for your loved
  ones, but that doesnt mean it has to be an
  intimidating purchase. The following tips will
  help take some of that edge off buying life
  insurance

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1 Check your health

• If youre going to buy life insurance, its a
  good idea to make sure youre in decent health.
  This way, if you do pass away, your beneficiaries
  will be able to collect. If not, they may have a
  tough time claiming your policy. If possible, go
  through an extensive medical checkup and ask your
  doctor or nurse practitioner to fill out a
  questionnaire regarding your personal health
  history and current condition. If that seems too
  invasive, consider simply getting blood tests
  done at a reputable clinicthey can reveal much
  of what is going on with our body without being
  too pushy.

2 Consider your family's needs

• The most important thing you can do when choosing
  life insurance is to consider your familys
  future. If youre a single parent, choose a
  policy that will allow your kids to go to college
  and help them buy a home. If other dependents
  rely on you, be sure that theyll have money
  available if something happens to you. In
  addition, dont forget about funeral costs and
  any debts you might leave behind. When
  determining how much coverage you need, think
  about how things would change if you werent
  around anymore. How would it affect your family?
  Could they make ends meet without an income? Have
  trouble answering these questions? Consider
  consulting with a financial planner or an estate
  attorney. Be sure to read our complete guide for
  buying life insurance in California before making
  a final decision. Have more questions? Contact
  one of our licensed agents today! See Products
  See Plans

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3 Know all your options

• If youre in your 20s or 30s, buy term life
  insurance. Its cheap, it wont break your
  budget, and you can get plenty of coverage
  without paying too much. It doesnt build cash
  value like permanent life insurance in
  California(like whole or universal life), but
  that means it wont be tempting to cash out
  either better to keep all your money invested
  where it belongsin building wealth.

4 Compare rates

• To ensure youre getting a good deal
• Compare at least three life insurance quotes from
  different companies.
• Look at fees, coverage amount, and rates to see
  if they are within your budget.
• Make sure you know exactly what is covered in
  each policy before you buy it.
• Speak with an expert before making any decisions
  if you have questions about which type of policy
  is best for your situation or need help comparing
  different policies. You should also find out how
  long until coverage takes effect.
• Once that happens, it may be hard to cancel the
  policy, so its essential to think about whether
  or not you would need life insurance when your
  children are much older than they are now.

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5 Spend some time on research

• Its essential to take your time and find an
  excellent policy. We recommend spending at least
  three monthspossibly longerresearching policies
  and taking notes on what you like and dont like
  about each one. You should also make sure to talk
  with multiple insurance agents. Agents work for
  companies, not you, so its important to compare
  prices and policies carefully before buying.

6 Get opinions from friends and family

• Buy life insurance in California from a company
  or agent you trust. Some people think of life
  insurance agents as pushy salespeople, but they
  can be valuable sources of information and
  guidance on how to get exactly what you need. If
  someone tries to sell you an overpriced policy
  right away, move on to another agent or company.

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7 Avoid agents trying to sell you overpriced
policies right away

• When it comes to buying life insurance, you want
  to make sure youre getting a policy that covers
  your loved ones and is affordable. Unfortunately,
  many people end up paying too much money (and
  receiving inadequate coverage) when they go with
  an agent whos simply trying to sell them
  anything. Here are ten tips to help you avoid
  falling into one of these traps
• Research several policies before sitting down
  with an agent
• Find out if your employer offers a plan
• Get quotes from different agents
• Ask about guaranteed acceptance policies
• Consider term insurance
• Avoid most riders
• Don't buy more than you need

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8 Shop around thoroughly

• Shop around thoroughly to make sure youre
  getting a good deal. Just because its easy to
  get quotes doesnt mean theyre all created
  equal. Always read a policy in its entirety, and
  ask questions if anything is unclear. There are
  differences between whole life, term life,
  universal life, and variable life find out which
  one suits your needs best. Be wary of any
  commission-based salesperson whos trying to push
  one product over anotherthey may not have your
  best interests at heart.
• 9 Factor in inflation
• If youre planning to rely on your policy to take
  care of loved ones after you die, be sure it
  covers inflation over time. Without inflation
  protection, your beneficiaries will be left with
  a pile of money that wont have any buying power.
  Its worth paying more upfront for a life
  insurance policy that will last well into your
  childrens adulthood. A little bit of extra
  effort can mean a lot down the road. Find out if
  your agent/broker is commission-based or
  fee-only, so you dont have to worry about hidden
  incentives or pressure from someone trying to
  sell something.

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• Address - Sacramento, CA 95835
• Email - info_at_bluehorizonins.com
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