As a Houston insurance agent my suggestion is to compare whole and term products if you want life insurance. A good agent should be able to show you rates, and discuss the features and benefits, of different policies. My belief is that my job is to show customers what is available and present options (not to try and sell a customer on any particular product).

Some situations that could favor a term policy include:

· If you want to get the highest amount of coverage for the least amount of monthly payment.

· If you only want life insurance for a certain period of time. (For example 5 years until the kids are on their own, or 10 years until the house is paid for.)

· Certain estate planning purposes. (Consult your financial advisor)

· If you have an investment selected for surplus funds that you feel has an advantage over putting the extra in a whole life product. (For example, if you put the additional available into a 401 plan with the employer matching your investment) (Consult your financial advisor)

· You believe in term vs. whole life. We all have favored products; there is nothing wrong with buying something just because that is what you want!

Some situations that could favor a whole life policy over a term policy:

• You want a life long policy, or very long term policy. The total cost can be much lower than maintaining term insurance over many years. Some people call this the benefit of owning your policy vs. “renting” a term policy. (Renting is not really an accurate description of having a term policy).
• You like or want the benefit of your policy accumulating cash.
• You like or want the benefits of a particular whole life policy. Whole life, and universal life (more flexible whole life policy), often have more features and/or flexibility than term policies.
• Certain estate
  Budgeting
  Budgeting involves the planned allocation of funds to various departments in a business organization. Budgeting is often done by enterprises on a periodic basis. In simpler terms, it means planning for and estimating the financial position of an organization in a given time period.The process of budgeting is very basic. Budgeting helps keep track of the health of a business, be it big or small. An in
  o single insurance product that is always best for every person and situation.

  As a Houston insurance agent my suggestion is to compare whole and term products if you want life insurance. A good agent should be able to show you rates, and discuss the features and benefits, of different policies. My belief is that my job is to show customers what is available and present options (not to try and sell a customer on any particular product).

  Some situations that could favor a term policy include:

  · If you want to get the highest amount of coverage for the least amount of monthly payment.

  · If you only want life insurance for a certain period of time. (For example 5 years until the kids are on their own, or 10 years until the house is paid for.)

  · Certain estate planning purposes. (Consult your financial advisor)

  · If you have an investment selected for surplus funds that you feel has an advantage over putting the extra in a whole life product. (For example, if you put the additional available into a 401 plan with the employer matching your investment) (Consult your financial advisor)

  · You believe in term vs. whole life. We all have favored products; there is nothing wrong with buying something just because that is what you want!

  Some situations that could favor a whole life policy over a term policy:

  • You want a life long policy, or very long term policy. The total cost can be much lower than maintaining term insurance over many years. Some people call this the benefit of owning your policy vs. “renting” a term policy. (Renting is not really an accurate description of having a term policy).
  • You like or want the benefit of your policy accumulating cash.
  • You like or want the benefits of a particular whole life policy. Whole life, and universal life (more flexible whole life policy), often have more features and/or flexibility than term policies.
  • Certain estate
    Why You Shouldn't Rely on People's Stock Picks
    Everyone is always trying to give you stock advice. I hear all the time about great new stocks that I should just put a little money in – my friends tell me that they have the inside track, and that all I have to do is put a little in and I’ll get great returns.That’s just not a good idea, however. Most of them that I have tried haven’t panned out – sometimes they do, but usually it’s the problem wit
    policy include:

    · If you want to get the highest amount of coverage for the least amount of monthly payment.

    · If you only want life insurance for a certain period of time. (For example 5 years until the kids are on their own, or 10 years until the house is paid for.)

    · Certain estate planning purposes. (Consult your financial advisor)

    · If you have an investment selected for surplus funds that you feel has an advantage over putting the extra in a whole life product. (For example, if you put the additional available into a 401 plan with the employer matching your investment) (Consult your financial advisor)

    · You believe in term vs. whole life. We all have favored products; there is nothing wrong with buying something just because that is what you want!

    Some situations that could favor a whole life policy over a term policy:

    • You want a life long policy, or very long term policy. The total cost can be much lower than maintaining term insurance over many years. Some people call this the benefit of owning your policy vs. “renting” a term policy. (Renting is not really an accurate description of having a term policy).
    • You like or want the benefit of your policy accumulating cash.
    • You like or want the benefits of a particular whole life policy. Whole life, and universal life (more flexible whole life policy), often have more features and/or flexibility than term policies.
    • Certain estate
      Resume Considerations for Radio Broadcasting
      Are you looking for that dream job in radio broadcasting, well you are not alone and the competition is very tough indeed. In fact it is so tough and such an insiders game that it often pays to drop names into your resume. Also time at a station is important and also it makes sense to also list the stats for that station if they were significant or the amount of listener-ship growth during your tenure there
      t. (For example, if you put the additional available into a 401 plan with the employer matching your investment) (Consult your financial advisor)

      · You believe in term vs. whole life. We all have favored products; there is nothing wrong with buying something just because that is what you want!

      Some situations that could favor a whole life policy over a term policy:

      • You want a life long policy, or very long term policy. The total cost can be much lower than maintaining term insurance over many years. Some people call this the benefit of owning your policy vs. “renting” a term policy. (Renting is not really an accurate description of having a term policy).
      • You like or want the benefit of your policy accumulating cash.
      • You like or want the benefits of a particular whole life policy. Whole life, and universal life (more flexible whole life policy), often have more features and/or flexibility than term policies.
      • Certain estate
        Service Businesses Can Learn a Lot from Manufacturing
        Many service businesses appear to be operating efficiently enough. But are they really, having been in the service business and worked along side the Manufacturing Sectors of many an industry, it is amazing the insight into true efficiency one can get.For instance an interesting thought exercise is to study and apply the Finite Capacity Scheduling Models of manufacturing to a service business. I did
        ining term insurance over many years. Some people call this the benefit of owning your policy vs. “renting” a term policy. (Renting is not really an accurate description of having a term policy).
      • You like or want the benefit of your policy accumulating cash.
      • You like or want the benefits of a particular whole life policy. Whole life, and universal life (more flexible whole life policy), often have more features and/or flexibility than term policies.
      • Certain estate planning purposes. (Consult your financial advisor)
      • You want your policy to supplement your income for you or your spouse at retirement. (Not all whole policys have this feature).
      • You believe in whole life vs. term. We all have favored products; there is nothing wrong with buying something just because that is what you want!
      Please consult with an agent you trust for more detailed information, and make sure your agent explains all the details of the policy you select. This article is too short to cover everything, and there is a large variety of products available. Customers in Texas can get information from my website at www.Life-Insurance-Houston.com. You are also welcome to call my Houston office at 281-537-2700.