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Need Your Life Insurance Questions!

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Hi everybody!  I need you to ask every life insurance question that you have.  🙂

Mr. Liran Hirschkorn, whose stats I’m listing below, has offered to write a straight-up Q&A post for BFS about life insurance.  He’s not going to try to sell anything, his post will not be sponsored, and even the link back to his site will be no followed (no link juice), so this is all about info exchange.  He’s just trying to get his name out here in the blog world and I would love to get any life insurance questions that you have answered by a professional.  You know I sort of suck when it comes to research posts.  😉

Here are his qualifications:

  • Independent life insurance agent for 12 years now
  • Licensed to sell life insurance in all 50 states
  • Studied business in college and worked as a financial planner before founding
  • He works with all of the providers rather than being tied to a specific one
  • Also specializes in high risk life insurance and getting people coverage who have been previously declined

So, please comment below with any life insurance questions that pop to mind and we’ll try to get them all answered and posted for you by sometime next week!

FYI:  I worked at a dead end cubicle job from 2005-2011 for about $30,000 per year.  I went self-employed in July 2011 and make between $70,000-$90,000 through blogging, professional pet sitting, hubby's reffing, and our rental home.  If you’d like to start your own site (link to my free step-by-step guide), I highly suggest checking out Bluehost (my referral link with a nice discount for you, PLUS a free custom header banner from me!).  Please contact me any time at budgetingfunstuff*at*gmail*dot*com with questions or just to brainstorm! I’d love to help!
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11 thoughts on “Need Your Life Insurance Questions!

  1. How much do term life policies go up as you get older? Male and Female at 25 vs 30 vs 35 for a 25 or 30 year term policy. I know there are many variables, but just a percentage estimate would be great. I think it makes more sense to wait until I’m going to have kids to get a policy.

  2. This may be an odd one. At one point my nephews were getting 10% of our life insurance policies, for future college funds if we are not around. Their parents were aware of this. We have had a massive falling out to the point of changing wills, removing the nephews as beneficiaries, etc, it was bad. Should something happen to my husband or I, the parents will definitely be expecting something as we haven’t told them they were removed from the policy, do they have any recourse? Do we need to notify them in writing?

  3. I am only 20 years old and healthy as far as I know. At what age should I begin to shop around for and concern myself with life insurance? My concern is that I will be funneling money out of my income to pay for something I won’t need for years to come.

    Thank you for taking the time out to answer my question.

  4. How long does it take for someone who has previously had cancer to qualify for term life insurance? My husband had prostate cancer two years ago and I was told by one company five years and a second he may never qualify despite being fairly young (early fifties).

  5. My wife and I have a term life insurance policy. I believe the policy is Term 80. Does this mean that the policy will be in place until we reach 80. or will it be in effect for 80 years after the date we signed for it? Also, can the premiums ever rise, or are they generally fixed for the life of the policy?

  6. How do insurers look at diagnoses of depression when applying for life insurance? – I’m especially concerned about “temporary” depression such as post-partum depression, and for folks who have their depression managed.

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