Los Angeles, CA (PRWEB) September 19, 2011
Tip #1: When considering purchasing life insurance, one needs to think about who they are buying the life insurance for. If the policy is for young children, usually 20 year term life insurance is sufficient. However, if possible, purchasing a 25 - 30 year term policy will help them with paying college or university tuition because once the term would end, the policy would pay out a cash payment to the child.
It is important to consider, though, that monthly or annual payments for the policy depend on the term, and may be more expensive for a longer term.
Tip #2: When considering purchasing life insurance, one needs to think about the amount needed. A policy for a million dollars may not be needed if the person makes only $60,000 a year. The policy is only designed to supplement an income, and let the family get back on their feet for a few years. So, it's important to see what makes sense.
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