Life Insurance, As an Investment? You Decide!
Published Saturday, October 11, 2008 by bloggerblognet83460.
Okay, maybe you can not get on the stock market and purchase a share of your own life insurance policy but what do you think makes a good investment? What kind of a return on investment are you looking for? You already know that you have to risk big to even stand a chance of earning big. The problem with that is the "risk"! I know you do not want to lose all your money but that is part of the risk.
Then another good question that you should answer for yourself is; what are you investing for? Most people in the market have to understand that an investment may take years and years to give any return on their investment. So are you hoping to make some money to put toward your retirement or just in case anything happens to you so your family will not be left high and dry without your income. What happens if you pass away and the market is in a down turn and your family can not get to the money without taking a substantial loss? I guess that can be one more big risk of investing.
Alright, let's say that instead of investing in the stock market as heavy as you currently are and used some of that money to purchase a life insurance policy. Your objective for your family can still be taken care of. If you would pass away, except with the right life insurance policy instead of taking any risk, you would have a guarantee. That's right. It may not be as sophisticated or dramatic but it is guaranteed and it will probably be cheaper than your stock market investments. Now if you want a real good return on your investment all you have to do is increase your death benefit. This may not sound like an investment but if you think about the reality of your death and being able to leave a bunch of cash for your loved ones that is completely guaranteed it does make sense.
In closing I would hope if nothing else you may now look at life insurance as a possible investment and not as an expense. If you buy the right life insurance policy it will pay your family and that is all written in a legally binding contract. If you think that you will have to talk to an agent just to find out that it will be more than you want to invest than you can always use the internet. There are websites that will let you get instant life quotes from multiple insurance companies all at the same time without ever talking to anyone. They are free and you can get as many quotes as you want until you find a quote within your budget, so give them a try!
W A Henderson: Is a Partner in a life insurance agency that does work with and for our clients. We also own a website that gives you the privacy and speed we believe people want in a high quality life insurance website.
To get your own free life insurance quote visit us at- http://LifeQuotes4You.com
Health Insurance CaliforniaBlogger BlogNet27284: Oct 11, 2008
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