Comments on: Life Insurance - When and Why I Should Buy an Insurance Policy

By: Byron Udell

Byron Udell — Tue, 02 Sep 2008 17:37:37 +0000

I agree with Mike. Most people don’t have enough life insurance. In fact, according to LIMRA there are 68 million Americans that are either uninsured or under insured.

One should consider at least 10xs their annual income. Especially seeing that term life insurance rates are so inexpensive.

By: Mike

Mike — Fri, 29 Aug 2008 18:08:38 +0000

I am a CPA and and a financial planner. I also specialize in helping people save money on funeral expenses. Here are some thoughts about life insurance. First off, most people simply don’t have enough. The poor economy means that more people have little discretionary income. Unfortunately, far too many people see life insurance as a discretionary expense.

I am not a big fan of small policies bought under the guise of paying off funeral bills. This insurance is often overpriced. Plus, families with a ready pool if insurance money end up spending more on funeral arrangements than they otherwise would simply because of the ready availability of insurance proceeds.

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