Insurance broker combined insurance plan, pros and cons?
Your way
How brokers buy your BMW? To sell the things you might not need, or high price policy.
Do your homework.
Not sure what is permanent, but stay away from Whole Life Insurance. (Standing is probably another name for this scam because life everything has a bad reputation). If this person actually is selling a policy of creating permanent cash - run and run fast.
And .. if you do not have any dependents who can live without your income, you know you have to be shot for trying to scam, Please shop around on your own for a good term life insurance policy
"Not sure what is permanent, but stay away from Whole Life Insurance." Why is this person giving advice is do not know the basic terms and concepts in insurance? And why go to someone who sells a life insurance policy if you want?
Who is she to say how long you want your insurance to last? Unbelievable. I have no one and do not defend, but if you want coverage forever then that is your business.
And guess what, life insurance is more expensive because if you die before 65, you will die after he was 65. Therefore, there is a probability of 100% of the company will pay in politics if not repeal.
To your question ...
Why combine them? Why not buy the best price for term life insurance in the amount you want in term insurance? So why not buy the amount of coverage you want PERMANENT another company (because it is unlikely that the same company will be the "best" in both products)?
Shipwreck is an idiot. I agree that it is not able to answer any questions in this category and will gladly send you an e-mail saying that if it were allowed. And this belief is not based solely on this response.
We can only assume the broker is advising this because you want some coverage to last forever. You tell us the reason you want the policy.
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