Saturday, October 31, 2015

The Best Time to Hire a Life Insurance

Posted by Unknown on 1:45 AM No comments
The Best Time to Hire a Life Insurance
Is so varied the set of circumstances for which a person can cross over its existence to try to give some general guidelines about which is the best time to take out life insurance can seem complicated.

However, if there are a number of common events for that year above year down almost all go and just staking our lives when too secure.


Before 30


As it is currently constituted society, a person younger than 30 years or not have children or are still very small. Similarly, the issue of acquiring home ownership is an issue that is not usually considered so early.

But, in this age life policies are appropriate for young people: the so-called basic insurance that, in return for a small premium, ensure capital to the emerging family in case of death of the holder. In addition, the continuity in this type of mode you can report significant reductions in premiums other insurance you hire later.


From 30 to 50


This is the age group of the big decisions: several children in the family, the mortgage on the house, do not know if any problems will arise or that such problems may arise us. What we have to be absolutely clear is that, out of all of them, we need money.

If the main breadwinner of the house is you, it seems logical to take out life insurance to ensure future needs of yours, if you had the misfortune to die. At two levels: 
  • Ensuring sufficient capital to cover the debt of the rest of the mortgage it is payable when you're not.
  • Expanding the sum insured 5 or more years of your salary so that if anything happened to you, your family would still have income to lean over a long period of time.


From 50


Not that after 50 years we feel too old, but if things have left us fairly normal at this stage of our lives we will have completed our biggest expenditures in relation to the family (the children are already independent) and housing (will have paid most of the mortgage and the letter makes us less onerous than to start paying).

And although we still have much to live, you should hire a life insurance savings for the pension plan to supplement, when the time comes, the pension we have got listed along our working lives.

The Fine Print of Life Insurance

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Life insurance are those who subscribe to that in case of accident or death, our family paid a financial sum to mitigate to some extent our loss.

Much has been written about this type of policy and there are many people who believe it is big business for insurers, since time, the arts are not looking to make cash money to the family.

Cases of this type can be read on the Internet for some time, however, insurance is becoming more reliable time and now it is rare that such cases happen, ever be clerical errors or because the insured or family have not read the "small print".
 
Searching the Internet documentation for writing, I read a case in which the family complains that they have not received the money from the policy of the parent and feel cheated by it. Looking, I investigate and find the problem. In one of the clauses of the policy it is said very clear that the policy will not be effective if the undersigned dies of illness and the firm knew it. This was the case of this family. The father had a disease diagnosed prior to the signing of the insurance.

Most of the time the problem arises because we signed without reading things, since all the information we have well described in our policy.

We must pay attention to the clauses relating to guaranteed values among them, especially those concerning rights of surrender and insurance for non-payment of premium.

Another important aspect is to know exactly the designation of beneficiaries of our life insurance and priorities and the exact age at which capital recovery, if life insurance savings involved will take place.

In cases of temporary disability coverage, we know that the period of low valuation is carried out by experts of the insurer, although we remain inactive as the doctor. At that time, we will stop paying compensation.

The most important in hiring a life insurance policy is when we make the health claim. 
  • Do not hide data; it may involve the termination of the contract. In addition, the same questionnaire usually includes an authorization to the insurer to investigate their medical history.
  • Nor give more data than they request. For example, if he says that if he had a sick leave over 15 days in a row in the last five years, do not expect that there but it seven years ago.
  • Requiring a doctor examine him. So, if something happens later, the insurer is obliged to fulfill the contract.

Good to know certain things, like there is the possibility that death is not accidental, but deliberately caused by the insured or the beneficiary. To prevent fraud, suicide usually make after the first year, unless otherwise agreed. If the beneficiary intentionally caused the death of the insured, the premium becomes the policyholder.

When we hire a life insurance must designate beneficiaries, if we are not sure we can put the legal heirs. If we did not have a clear beneficiary, in the case of death the premium would become the property of the borrower. We can change the beneficiaries simply communicating it to the insurance company.

Check our needs and choose the insurance that covers us better. Each insurer offers many possibilities, so the market will surely find one that covers us. We must review that do not already have life insurance, which may already exist if you have a mortgage, personal loan or any extra service that we hired.

We should read the fine print to be sure you understand and agree with all the terms. Thus we understand in which cases are covered and which are not.

Life insurance recorded, so if the death of a family does not know if this person had one or more life insurance beneficiaries who are, you can request a report.

Remember that if you have other insurance (car and home for example) with the same insurer may obtain a better price or benefits in our life policy.

Thursday, October 29, 2015

How to Hire the Best Life Insurance

Posted by Unknown on 3:26 AM No comments
How to Hire the Best Life Insurance


Life insurance is a type of policy that, despite not having a mandatory higher market shares are getting today. Given this trend and the proliferation of different insurers with different products, the problem of how to hire the best life insurance is difficult for most people facing this dilemma.

We will try to help a little.


Types of Life Insurance


The variety of life insurance policies can be classified into two groups.
  • Term insurance with death cover and automatically renewable expiration date if it has expressed contractually. It is guaranteed to beneficiaries of the policy an agreed compensation.
  • Permanent insurance, with no expiration date and becoming with the passage of time-saving alternative to the expiration of the policy.

Among both types, there are mixed insurance covering both cases simultaneously.
 
The best life insurance: features

The idea of life insurance can serve multiple purposes:
  • Guaranteed income for the couple and their children for a period of time.
  • Cover, where appropriate, the costs of funeral services or doctors.
  • Ensure the payment of large outstanding debts, like a mortgage.
  • As a savings plan for extra money during retirement.

These objectives, always thinking in deciding the best life insurance, should endeavor to suit the age that you have so that at different ages, different responsibilities too. For instance:
  • When he is very young, it is not recommended be thinking about insurance that will improve your retirement.
  • A person with family and mortgage, if it is the only source of income, should focus on how best to meet the needs of income for a long period of time or settle the debt in case of death of the insured.
  • It is also necessary to evaluate the time that we want to be secure and periodically reviewing the type of policy taken to fit the most pressing needs of the moment.

What is the best channel to hire


And, as with all insurance, the most optimal to hire and manage the best life insurance channel it is the brokerage. Thanks to personalized advice and independent mediation with the insurer, the customer can rest assured, since inception until the expiration of the policy, procedure or that any claim made through us will always have our legal and professional commitment to defend their interests against the company.

Tuesday, October 27, 2015

Knowing First Aid: The Best Life Insurance for Others

Posted by Unknown on 12:43 AM No comments
The recent event staged at the mall by the popular host of "Fourth Millennium" and his wife, Carmen, during which both were the best life insurance for a child who was choking after an object that had swallowed developer program.

Widespread knowledge of first aid techniques is as important to society as undervalued in our country by the current education system.

The best life insurance for others


The facts, as the relate the different media, occurred at a mall by Iker Jimenez and his family wandered as a child were found in cyanotic state without their parents and other people who surrounded knew how to extract the object which had choked him.

Thanks to the initiative of Carmen and Iker and his prior knowledge of a particular maneuver emergency rescue, the girl was able to expel the object that prevented the passage of air and prevent death.

This decisive intervention contrasted with the helpless passivity of most people who watched the scene.

Why is it good to know first aid


First aid means the set of techniques and immediate care for sick and injured is paid in prior to the arrival of professional healthcare exceptional and urgent situations.

Through a few simple procedures and guidelines, though, must have been previously practiced to ensure speed and efficiency, it is possible to avoid physical and psychological complications, aiding recovery and, ultimately, save the life of the injured person before us.

If we have some training to learn and safely perform these techniques, we are the best life insurance for those injured chance to put us ahead.

Why almost nobody knows first aid


And yet, among the many materials, subjects, knowledge and duties that are taught, they learned and practiced in the official compulsory education do not consider (or considered excessively transversely) specific teaching first aid.

This fact also noted by Iker Jimenez in interviews after the event, is as outrageous as it is inexplicable when we weigh whether knowledge of a verb, a formula or the date of a battle must be more important than the ability to save a life.

Investing Money Life Insurance

Posted by Unknown on 12:27 AM No comments

Investing Money Life Insurance Select Option


There are many types of life insurance policies, as such, there are many ways to make savings when it comes to getting life insurance. The best advice when you want to buy a policy is to carefully review the best deal; the Internet can be a very important tool in this task.

Buy online life insurance allows you to access a lot of insurance companies. There are many who are competing in the market and offer different deals to help you save money on life insurance Investing.

All insurers will allow you to get a quote online and compare them, which mean that at first glance you can see what appears to be the best. But always make sure you look at what it offers policy because sometimes a lot is not so great after reading the fine print exclusions.

A great way to save on life insurance is to be as healthy as possible to start when the insurance. Here a little common sense should be applied, for example, if you are a smoker or drinker then you can expect to pay more money to invest life insurance that would otherwise not smoke or drink. This may be the opportunity to give up these harmful habits.

Having many overweight can also increase your premium, which would not happen if he had the average weight for their height. Making adjustments to your lifestyle, diet and weight loss can not only improve their health but also leave you with some extra money in your pocket thanks to lower premiums.

Any pre-existing medical conditions can also increase premiums, although these always have to be declared at the time of the insurance.

However, doing everything possible to help your condition as taking regular medication and attending regular doctors or clinics help check when you declare your condition.

Life Insurance Rates for Each Type of Life

Posted by Unknown on 12:17 AM No comments
As is the case with health, car and home, there are different types of life insurance that adapt the main guarantee (protect an economic situation where the insured's death or survival after an agreed date) to the personal needs of each client.

In case you did not know, we explain the main features of each.

The nonlife

Also known as risk insurance or "whole life". A date in the contract so that if the insured dies before it, the company is committed to satisfy the beneficiaries of the policy agreed to pay a benefit in a lump sum (one-time charge) or income is fixed ( several newspapers) receipts.

Conversely, if the insured lives surpassed the contract issue is resolved without further.

In addition to the main guarantee as already explained, there are other types of whole life insurance that can be offered additional benefits to be chosen by the insured such as accidents (commitment of additional capital if the stated cause of death is the result of an accident) or disability (the risk being hedged, beyond death, disability or incapacity is insured).
Survival insurance

The common characteristic of these types of life insurance, also called "saving policies") is that if the insured survives a date previously agreed in the contract, the insurer agrees to make payment of a benefit.

Within this category, there are different ways:

  • Unit linked: The policyholder bears the risk of investment performance.
  • PPA: Insured Pension Plans are similar to individual pension plans and tax law.
  • PIAS: Individual Systematic Savings Plans long term in which the contractor receives an annual annuity survives if certain date.
  • Annuities: Similar to the above with the exception that it can spread to family characteristics of the insured adding new features that address the death or return of benefits scheme.

Mixed types life insurance


It is a combination of the two types of life insurance above. In this case, the consideration that the insurer guarantees to beneficiaries either becomes effective (if the death of the insured occurs) or the insured, the settlement of an agreed date.

Saturday, October 24, 2015

Happiness, Age and the Best Life Insurance

Posted by Unknown on 3:02 AM No comments
Happiness, age and the best life insurance

They say that, over the years, life is seen differently. The experience and made various studies on the perception of happiness and better life insurance over time seem to confirm this.

Age becomes a vantage point from which, according to its height, we see our existence with different angle and uneven mind.

Age and happiness


Happiness is not an absolute concept that reaches its peak in youth and continues to decline at the same age.

Study 500.000 people over 70 surveyed countries in 2012 concluded that the pattern that best describes the degree of happiness throughout our existence is U-shaped:
  • In our infancy and childhood feeling of happiness it is abundant but is dropping as young people leave our condition.
  • Upon reaching forty, in what is called midlife crisis, it is when we are most unhappy.
  • Once exceeded this period, we return to recover emotionally and our happiness increases as we age.

Apparently, as we mature simultaneously we began developing our ability to learn from the bad news, giving less importance to information and negative facts and feeling better disposed to the good news which contributes to a more optimistic perception (though less real) of future.

The reasons for happiness


As our sense of happiness throughout life they evolve the reasons that tend to make us happy:
  • At age 20, our best happy life insurance relates to social success and freedom.
  • Upon reaching the quarantine, which pleases us most is the family life, the children and the smooth running of our career.
  • Between forty and fifty years, the loss of parents or children leaving the parental home makes us feel more miserable.

Age and best life insurance


As reasons that feed our happiness over our lives by changing our priorities are adapted to the needs of the age. These changes are also reflected in the type of preferences for contracting life insurance policies:
  • Individual policies in the early years, which usually have no greater responsibility than ourselves, a couple had to live in his own home that encourages us to hire a mortgage life insurance or risk life insurance. From the fifties, we are more in favor of any life insurance that complements our future pension.

Beneficiary of Life Insurance

Posted by Unknown on 2:46 AM No comments

I am a beneficiary of a life insurance. What I have to do?


As you know, life insurance is a type of Personal Insurance on the payment by the insurer of the compensation agreed in the contract is dependent upon the death or survival at any given time.

When it comes to insurance in case of death, the beneficiary receives the amount stipulated in the policy when consumed by natural or accidental cause, the death of the insured.

Who is the beneficiary of a life insurance


We remind you that the beneficiary of a life insurance policy is the recipient of compensation. Although it is normal to be linked to the insured or the policyholder through family relate (children, parents ...), personal economic (close friends) or (business partners), you can appoint any person as beneficiary.

You can also designate more than one beneficiary per policy and identity change it at any time informing the company of the new decision.

Am I the beneficiary of a life insurance?


One in four Spaniards have contracted some form of insurance that covers death or validity. However, sometimes they are known stakeholders who are beneficiaries of these policies in order to reclaim and receive compensation.

To remedy this situation exists, through the Ministry of Justice, the Life Insurance Register, with data from 50 million insurance policies written in 200 companies.

Any interested party may, if in doubt as to whether the deceased person had a death cover insurance, the Register may request (within 15 working days from the date of death) a certificate with existing agency contracts and which are subscribed.

Within a maximum period of seven days, the Registry will issue the relevant certificate and with the information obtained, we will be able person in the corresponding insurance company.

Certificates can also be requested through a notary.

Registration data Life Insurance will be saved for 5 years, after which period prescribed obligations.

What I have to do as a beneficiary?


Once we know our status as beneficiaries, to make the claim of the policy no lawyer is needed but we must personally contact the insurance.

Normally, it has a maximum of 7 days from the death of the insured to report the incident and proving your identity properly complete the formalities of claim.

Thursday, October 22, 2015

6 Essentials: What Not to Do When buying life insurance

Posted by Unknown on 9:04 PM No comments

3 tips for successful purchase a life insurance policy

What to do to get the best odds of life insurance?

There are many insurance companies available in the United States and specifically those for life insurance. In this country, life insurance covers the insured's family financially during the latter's death or the occurrence of an unexpected event. But not only that, insurance benefits financially course. For which an insured or insurance agency or broker can choose the best options available in the market.

It should be noted that most insurers USA They lean toward the permanent life insurance as these that accumulate cash value, provide security and offer tax benefits and also recommended based on savings targets. However, policies vary depending on the health, family history and age of the insured. There are "specialized" policies offered to customers who have health problems such as diabetes, heart disease and cancer problems. Therefore, one insurance company should do a thorough market research before a quota and an informed decision about life insurance established.

For the best life insurance quotes, and to have the best s alternatives and possible solutions in terms of life insurance it is necessary to follow the good advice and tips mentioned below misguided

1. You remain the holder of the life insurance policy should compare quotes and which may vary by almost 200% comparing one company to another, prices and profits.

2. You should review the policy and allows the insurance company to change or renew your insurance from time to time if they needed it. This is very important because you would not be "tied" to a preset trading condemn him not changeable certain guidelines.

3. Care must be taken with the person who sells the policy, should be a professional insurance broker or "captive agent" of the insurance company. You may feel cheated by a broker, so you must do your own research before making a decision .You must have the freedom to change, remove, omit, add, how many are in your policy benefits, provided they clear allows the type of insurance purchased

What NOT to do

1. DO NOT buy a policy that does not set the terms and conditions which should have it clearly written and understandable letter legible and after acquired this should not replace it with a new one until the above has no effect
2. Do not make a decision if you are not convinced of what he will do. In this case it is better to wait or else purchase a term policy, which allows "flexibility" and its decision not to acquire a long-term.
3. DO NOT gained after a certain policy, replacing it with a new one until the previous is in effect.

You and your family need the best decision. Take your time; you should not take any decision if it is not fully defined. Check with your family, with your partner, children, relatives in general. Check with your pillow. Ask all the questions required of the person who will attend to the implementation of your policy and read all the documents carefully.

3 Important Steps To Buy A Life Insurance

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Decisive steps before buying a life insurance

3 steps to buy life insurance

Define why you need life insurance

The first step relates to define because you need life insurance. Many people can act without thinking and what is it that you are aware of this important decision. Remember that life insurance not only secures your life, it helps ensure their families and the general welfare of them. Should then feel motivated to make the best decisions based on this.

Another important aspect is determining which questions may be that the insurer will be done, as these affect the benefits and alternatives of your policy and help to decision making. It may be: Who are the beneficiaries, wife, children, and business partner? What is your financial situation? What are the goals of having this coverage?

Call to speak with a professional and licensed agent or consider buying your policy online. The most correct option is to speak directly with a professional agent. In person they are more likely to come out with the right information faster and can make your decision as soon as possible. If you choose to meet with an agent he will know the changes you may face and that affect their coverage or their beneficiaries, and ask about all that necessary.

For example: Be given all the information about the different stages of life, such as marriage, starting a family or you wants when retirement arrives. All these questions and this information are important to define benefits, needs and interests.

Determine what is the right policy for you

Before choosing an insurance company, the policy calculate what you need, what is the coverage you need. Look for and find alternatives, either online at him by an agent as noted above, this will help you determine your life insurance and other financial needs.

Choose the right insurance company specialists remember that life insurance is precisely the insurance companies. No buy life insurance through intermediaries or companies engaged MISCELLANEOUS everything. Check the Internet, with your family and friends to help you make the best decision.

Moreover it is necessary to determine which type of policy needs to take into account the stage of life you are going through, this will help better define what their interests and possibilities .For example a term policy ensures protection rate lower for a certain period of time.

On the other hand if your finances are more comfortable and can pay a little more, a whole life insurance allows you to have a more affordable rate and could maintain this rate for life, having the option even borrows cash from the policy.

All this analysis may lead to determine the financial benefits of different policies and ensure that you have the right coverage at every stage of your life .For which with some frequency should review the circumstances in which you are and which products you have to ensure a happy and together with his loved ones future.

Exercise and keep good health

It is important to constantly exercise and stay fit; the better your health, the better the rate of your policy. You can save money by having better health, for example smoking is extremely unfavorable may be higher monthly premiums for your life insurance.

Maintain a healthy diet and exercise regularly. Your loved ones do not want you to miss. It is important to think and analyze the existence and the acquisition of a life insurance policy, but we know that nobody likes to talk or take account of these issues; dying is a very sad and boring task as an expert says, but come on to unforeseen situations and if you keep your health up to date is "stretching" that unpleasant moment for your loved ones. It is better to pay and that his family never has to find it necessary to distribute the proceeds of his life insurance.

Key Questions Before Buying Life Insurance

Posted by Unknown on 8:23 PM No comments

Key questions before buying life insurance


Life insurance provides financial protection to beneficiaries of the insured in case of death, an amount that does not involve tax cost to the recipients thereof.

For maximum benefit you have to choose the product that best fits the particular needs of the consumer. The following questions and answers will help you make the best choice:

1. Who needs to acquire a life insurance policy? If you or your family (spouse, children or parents) have made financial commitments having their personal income, the most effective and cost effective way to provide for their survivors a substitute for future earnings if you miss, is the obtaining life insurance. With benefits, the heirs may cancel the debts are in your name or create a fund to be distributed among the beneficiaries.

2. Is there enough life insurance benefits that are received through employment? Maybe not. The life insurance groups, which are often the type of life insurance offered by employers, usually pay a similar limited or lower than the wage of a worker year amount, which is often less than what survivors need to address their plans for short and long term.

3. How is the amount needed to obtain calculated? The main thing is to identify the amount of resources that your beneficiaries will need and how long you need to have it available. Once that amount is known, you can get an insurance policy for that amount.

4. Should acquire permanent life insurance or a term? The term life insurance is a policy that pays benefits when the insured's death occurs during the same term of the policy, or within the term of the policy, which is usually between one and thirty years. Premiums for this type of insurance are cheaper premiums permanent life insurance. The policy of permanent life insurance is valid for life, while the insured pay premiums.

Wednesday, October 21, 2015

How to Prepare for a Medical Examination When Applying for Life Insurance

Posted by Unknown on 1:09 AM No comments

How to prepare for a medical examination when applying for life insurance


When you apply for life insurance, many companies require as necessary to complete a review of health, both physical and psychological. And its results, the company will confirm the cost of the premium, as well the kind of policy we can access.

In addition to the exam, your doctor will also investigate history, employment, driving records, and even their criminal history. If the insured amount is too large, generally often they hire private detectives teams who will analyze your lifestyle, possessing security, etc.

The depth of the examination, as subsequent tests will depend on your age, health status, and especially of the insured amount you are requesting.

And how we prepare to take the exam?

For starters, if you have health problems, or a negative criminal record, is not too much that can change as the final report is certainly exclusive. But nevertheless, there are some measures we can use to improve performance:
  • Choose the day and time less stressful for you.
  • Make sure had a good sleep last night.
  • Avoid stressful job for a few days before the test.
  • Keep snuff, alcohol and caffeine to a minimum.
  • Be optimistic, do show signs of nervousness.
  • Eat well, several days in advance.
  • See time before a health professional to help you identify and eliminate or control those conditions that might prevent you from purchasing life insurance.

Are some tips that can benefit when the medical examination, but the most important thing is to keep a healthy lifestyle, allowing you to keep the cost of the premium.

Monday, October 19, 2015

Tips to Acquire Your Life Insurance

Posted by Unknown on 12:41 AM No comments

Tips to Acquire Your Life Insurance


When you go to purchase your life insurance is necessary to have in mind some tips that will help you to do well. Learn these tips below and do not forget.

Recommendations to buy your life insurance

There are various elements that you must keep in mind when choosing your life insurance. The most important are:

-    First think about the reasons why you require the insurance and recalls that ensure his welfare and his family.

-    Now it is essential to think about your current health and care, as when buying life insurance will make a physical examination to identify and determine the value of your policy. Being fit and healthy can save you money.

-    You need to think through the coverage you need. To do consider your financial needs and your salary. Multiply your annual income by 7 and can know the nearest number of coverage required.

-    Learn several insurers and analyze their offers. Choose which of them best suits what you need. Note that a good insurer will offer not one but several options, depending on your preference.

-    One tip I cannot forget when buying your life insurance is think through each of the options you have known before deciding on any of them. Analyze each of the contributions and the coverage you have.

-    Finally do not forget to choose a life insurance policy is necessary that this conforms to the stage that is already living their income. Do not choose to pay very high and unsustainable policies.

How to Get a Cheap Life Insurance

Posted by Unknown on 12:30 AM No comments
We all wondered what would happen if an accident snatch us life or the ability to work, and our partners and children do not have savings to cope with adversity. The answer is usually hard, because surely speak of financial instability. A policy to protect us is the best option and fortunately, these solutions exist for all budgets. Discover what protection insurance gives you financial life.

Many companies offer the public the possibility of contracting a life insurance policy, a financial instrument that, in a way, saving to face death, disability, old age and contingencies, through mechanisms that ensure the continuity of living standards the family members.

However, there are so many more options and qualities that insurance often does not know how to start the search or close the right deal. Rather than find a cheap life insurance, the first thing you find is insurance that suits your needs and not you to him, always compare to find the best price and good opportunities.

If you are the breadwinner of the family, it is important to be insured, especially if there are small children or if any of them cannot be independent because of a disability.

It makes sense to ensure that whoever is the father, but the situation today, where the mother also works being part of a breadwinner, it is best that both are insured

Economic life insurance can be a basic plan, which covers the individual and family needs. Life insurance can be classified into:

Ordinary life.  
It is a plan that provides economic protection for life (whole life); in this, the contractors will (raw) periodic payments until his death. It is relatively expensive because the insurer will cover all expenses for which you are engaged.

Temporal.  
This service remains active only for a certain number of years, paying the agreed sum death only if the contracting occurs during the set term (1-20 years, or at age 60 or 65). It has the advantage of being cheaper, since the premium is calculated based on the probability that the insured dies during the insurance period.

Endowment. 
It offers protection and savings; it can be hired for periods of 10, 15, 20 or more years, or at age 60 or 65 years of age. They are divided into two types:

Pure. 
They are in fact safe "survival", in which the sum insured is not given to the death of one who hires the service, but only if it survives the end of the agreed period. They are plans that are not much promoted in Mexico; generally they employ shorter and deadlines as an investment than as a method of family protection.

Mixed. 
It is a pure endowment combined with term life insurance; some insurers sell it as retirement or retirement, others as "universal line". The cost is high because protects both scenarios.

Deferred income.  
If the insured person survives a specified time or reaches a preset age, you receive monthly or annual payments.

With investment.  
Their purpose provided that the insured at any time savings that can be used to pay school fees for their children to have money for retirement or old age.

Deciding which type of life insurance should contract depends on economic needs and the amount of premium you can afford, the seriousness of the insurer and the quality of service.

Consider that if you have children with a disability and cannot generate revenue for them, will probably require lifelong protection and a high sum insured. Do not forget that the payment of hospital and medical care increases every year.

However, if you have the habit of saving for retirement (plus social security contributions) and your children have ample opportunities for development, surely you will require only a temporary insurance covering the period of study of children.

Finding a cheap life insurance will depend on your needs protection you have, this is considering whether there is illness in your family, or your work is not high risk that your house is in safe area, etc.

For example always the cost of your insurance will vary if you live in a state like Coahuila, or you live in Monterrey, or if you want to protect against diseases like influenza or cancer. The security situation and the country's situation at the time will also vary with the cost of your insurance.
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