a 65 year old man intends to use his retirement funds to purchase an annuity from a life insurance company.?
given the amount of money the man has available to invest, the insurance company is able to offer two alternatives. the first option is to receive $2785 each month for as long as he lives; the second option is to receieve $3500 each month, but for only 20 years (payments will be made to his estate if he should die before that time) the relevant interest rate is 6 percent per year. how long must the man live so that the first option is a better deal?
can someone please tell me how to answer this question?
i need answer to this question for my finance assignment!!!
life insurance companies are NOT investment firms — don’t get suckered.
Find yourself a good investment consultant who does not work on commission. You’ll probably have to pay him a couple hundred buck for advice, but you know it will be more balanced.
How do you start out in the life insurance industry in NY?
I recently took the exam and am currently a licensed life, accident and health agent/broker in NY state. I plan to eventually have my own life insurance business however I just don’t know where to begin….. I graduated college a few years back and worked a job (unrelated to the insurance industry) I strive to make more than an average salary, I am very hardworking. Any help would be greatly appreciated!!
CONGRATS!!!! This is truly a fantastic career, and basically any general agent would be willing to take you on and train you. Your best bet is to go with a high quality company that does whole life. I would suggest in this order Guardian, Mass Mutual, Northwest Mutual, and NY Life. When I started just like you…. I chose Guardian as they had the best offering and there product is incredible. Which really helps you to be able to sell it. If you want any further advice or ideas feel free to IM or email me and I can give you further and more specific info. All that being said…. take your time…. make a good choice and be prepared to work hard at it……. It will take the first 5 years or so of trying to build a business and then you will spend the rest of your career finishing what you started! Good Luck and DONT give up!
What group insurance is a Mitsubishi FTO GPX Mivec, in the UK?
Yes thats right, Its a grey import. Only manufactured in Japan.
it’s a import it will rocket the price up
regards x kitti x
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does anyone work for a big life insurance company?
I had a call from a life insurance company asking me if I was my former husbands wife at the time of his death. which by the way was 6 and 1/2 years ago. any way they asked me a few questions and told me that because he was divorced from his ex wife at the time of his death that voided her out as the one who could claim the death benefit. and because I was his wife then he needed my info, he said he would call me back in a few days to let me know about the proceeds. I was very stunned and like an idoit didn’t get anymore info, like a phone# or what company. But can a divorce over ride a listed benefeciary, does this sound right? I work for an insurance company and that’s not how our life policies work. whoever is listed, divorced or not gets the death benefit.
I didn’t give any personal info, they asked if I was his wife at the time of death and if I was remarried or if my last name was the same and if I toolk care of the estate at the time of his death. those were the only questions they asked.
I just read that there could be a clause that says the bebeficary must be married at the time of death. which if his ex was listed they weren’t married anymore. we were. sound correct?
I used to work for the largest insurer in the U.S. — and one of the largest in the world. If the beneficiary designation simply stated "my wife," then the Company is correct (but this is VERY rare, since usually underwriters catch and correct this prior to the policy being issued); but if it reads "Jane Smith, relationship: wife," then the insurer is incorrect. While she was no longer his wife when he died, he left her as beneficiary, which is his right. (The "insurable interest" issue is only important at the time the policy is purchased.) If the insurer pays you, she’ll sue (and rightfully so) and it’ll end up having to pay her, too. The majority of insurers know this and avoid beneficiary disputes by paying the benefit to a court and filing what’s known as a "request for interpleader." This means the insurer essentially asks the court to determine which party is the correct beneficiary.
This situation seems VERY suspicious to me. If they ask for any personal information, such as your social security number, DON’T give it to the caller until you are able to independently confirm this is all true.