I am recently out of the military and need to purchase an individual health ins policy. However, I am not sure which ones are the best. I am a student, do they offer any good student policies? Also, is the SGLI to VGLI conversion a good change to make? If not, which is better term or whole life insurance policies?
Insurance - 6 Answers
Random Answers, Critics, Comments, Opinions :
1 :
You will not get a good answer concerning the health insurance here because companies and the plans within the companies vary by state. You'll want to visit a local independent agent who knows the market in your area and can find the best plan for your situation. Do not try to do this on the internet unless you have the time it will take to compare nearly 1000 plans. The agent can figure the best plan in an hour or two and they don't charge anything for the service. The independent agent also can help with the life insurance. Generally speaking, the term policy is best for most people.
2 :
OK, you're talking different horses here. For health insurance, what is best? Lowest monthly premium? Least out of pocket costs when you visit the doctor? In either case, if you don't want the student plan (major medical with massive deductibles, but low premium) you should go see a local, independent agent for a real health insurance policy, not one of those medical discount scams. For life insurance, what's the GOAL? Most people are best off with term - lowest premiums for the highest coverage. A FEW people have goals best met with whole life insurance. The key is, SET THE GOAL FIRST, then find the product that fits the need at the lowest cost. And if you buy both through a local agent, you won't get scammed.
3 :
Universal Life insurance would be the best. It gives you death benefits and living benefits. If you would like to know more email me emyli3do@yahoo.com i'll gladly help explain it to you.
4 :
You might want to try and bookmark this site for research information on health insurance. news, articles and more. It may have the resources to help you with your question. http://www.healthinsurance-guide.net/
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