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Best affordable life insurance plans for a better future

Life insurance plans are not frequent financial plans per se, yet a one time that needs a judicious decision and eventually smart shopping. To keep it straight and simple, don’t go by the norm of cheap but affordable life insurance plans. As we all know, health, age and individual lifestyle are three key elements, you can always ensure to get the best one by maintaining a sound health. It’s subjective though if life insurance is crucial or not, one cannot take a chance and wishes not for the remaining family members.

Now to keep life insurance as affordable as possible, the thumb rule is to avoid waiting and to buy when young and healthy. Since the market is pretty volatile, the coverage rates are on the run too. The desired face value also decides the affordability of your life insurance plans. You can hire an agent to understand the assets, needs of your family members and to be paid and unpaid bills in the near future to determine your requirement. Choosing affordable life insurance plans essentially drills down to three basic categories- term, whole, and universal. Term is generally considered as the most preferred one for its least expensive and has a high face value feature. Whole Life insurance, on the other hand, is in a way expensive as the company would have to pay benefits at some point in time. The universal life insurance is comparatively less expensive than whole yet a very complex one.

Finding affordable life insurance plans is a daunting task but worth a take on your loved ones. You can choose wisely by considering the following points:

Filter out all the available, affordable insurance plans and quotes in the market
Don’t get biased by agents
Wait not while purchasing one of the coverage rates can shoot up
Stay focused and purchase the coverage only and not the extras
Pick an affordable life insurance plan for the whole family not just for adults
Check your policy on time to time to avoid any discrepancies

The market is flooded with countless life insurance companies, but one needs to first qualify for the best one. In a way, you could also go ahead and replace a more expensive one with the new. Regardless of what you may opt for, the affordability part is the trickiest one. So how do you work around getting the most affordable one? Following are few points to ponder before choosing an affordable life insurance plan.

Get as many quotes available. Customize your quote basis your health, age, length of the term and the coverage amount.
A big NO to any extras or riders will make the insurance largely affordable.
Since term life is most preferred, compare companies in terms of its unique proposition value.
Talk it out with a financial adviser, not an agent preferably. They could provide details on price break levels and comparisons.
Plan young. The younger and the healthier you are, insurance cost can become affordable.
Don’t overlook the financial reputation of the insurer.
Choose a single annual rate to keep your premium low
You could opt to purchase a policy with an annuity payment as the benefit.
Consolidate your other insurance policies with life insurance one to get discounts

Choosing a life insurance policy is subjective, but you can rest assured with the affordability features of term insurance one. Since term life insurance is simple and offers nothing more, the flexibility feature gives an edge to the insured to shop for the best one at the best price. You may wish to opt for the whole scheme but don’t forget to compare prices by getting quotes for the same coverage amount from different insurers. The only drawback is that the cost of whole life insurance policy including administrative fees because of the cash value accumulation benefit can be five to ten times more than a term one. Additionally, to make it more affordable, you can choose to convert your term life insurance to a fixed rate lifetime policy.

Listed below are some of the companies that have been narrowed down basis coverage needs and plans:

Haven Life: No medical examination required for Term life insurance
Banner: Offers both Term and Universal life insurance products
AIG: Offers a whole range of insurance products to choose from including the term, whole universal, index universal and variable life insurance.
Prudential: Great for those who use chewing tobacco.
MetLife: Offers a whole range of affordable life insurance plans with no medical examination required for Term life insurance
Voya Financial
Mutual of Omaha
Genworth Financial
New York Life Insurance Company
Transamerica: Offers 30-year term policies up to age of 58
Lincoln Financial Group: Offers combination of life and long-term care option

Insurance, in general, is overwhelming but a careful consideration of one’s own financial capacity and lifestyle will give you a heads up to find the best as per your needs and requirements.

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