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| » Online Users: 43 | | 12 members and 31 guests | | eezlock , enm , JOAT , JohnW , Kicbak , Kyle , NCPete , NCTurner , rsitzejr , thrt15nc , TV , woodArtz | | Most users ever online was 180, 04-22-2008 at 12:18 AM. |  | 
07-16-2008, 08:29 PM
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#1 |
Name: Chuck City: Rocky Mount State: NC County: Nash Join Date: Nov 2005 Avg Visit Freq/Week
= 7.00 over 30 days |
Due to a recent job change I need to purchase term life and also need short/long term disability insurance coverage. Til now I have worked for large companies that offered life insurance at a decent rate and provided disability coverage free of charge.
I realize that this is WAYYYY off-topic but I would appreciate any help that you could offer. I would like to find competitive rates from reputable companies.
BTW I have a new found respect for anyone who has changed jobs late in life. I am in my fourth week and have just now begun to settle down. The company I joined is absolutely top-notch!! 
Chuck |  
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07-16-2008, 08:51 PM
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#2 |
Name: Jerry City: Raleigh State: NC County: Wake Join Date: Nov 2006 Age: 47 Avg Visit Freq/Week
= 7.00 over 30 days |
I hear nothing but good about Zander http://www.zanderins.com/
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Jerry
If mistakes are opportunities to learn, then I must be in graduate school!
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07-16-2008, 10:13 PM
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#3 |
Name: Reggie City: Albemarle State: NC County: Stanly Join Date: May 2007 Avg Visit Freq/Week
= 7.00 over 30 days |
Chuck, since I don't know you, no offense is meant.  If you're over 50, I'd take a look at AARP's plans. They can be competitive.
__________________
I'm a great believer in LUCK! I find the harder I work, the more I have of it.
Thomas Jefferson
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07-16-2008, 10:58 PM
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#4 |
Name: Jerry City: Salisbury State: NC County: Rowan Join Date: Feb 2006 Avg Visit Freq/Week
= 7.00 over 30 days |
Try to find a broker in insurance rather than an agent. A broker can issue policies from a lot of different companies and he will know the comparison of those companies. I just applied for supplemental insurance through a broker today---he did save me some money on the same coverage offered by various companies. He is in the Charlotte area though.
Jerry
__________________
We make a living by what we get...............We make a life by what we give
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07-16-2008, 11:06 PM
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#5 | | Moderator
Name: Peter Davio City: Hope Mills State: NC County: Cumberland Join Date: Dec 2005 Avg Visit Freq/Week
= 7.00 over 30 days |
Chuck, LOML and I have been pleased with our association with IOF Forresters, and I carry Banker's Life for Short Term Disability insurance, even though my employer offers it now, I like the portability of it. I forget what search engine I was using, but I also found very good rates for term life insurance from Boston.... Bank? Life? Mutual? I don't recall the name, besides the Boston part.
I am also a USAA member, and am very pleased with their services, but my wife liked the Foresters agent...
__________________
Failure is the opportunity to begin again more intelligently. – Henry Ford
However your life is, meet it and live it. Henry David Thoreau
They that can give up essential liberty to obtain a little temporary safety, deserve neither liberty, nor safety. Benjamin Franklin
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07-17-2008, 01:00 AM
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#6 |
Name: Rod City: Valle Crucis State: NC County: Watauga Join Date: Jun 2007 Avg Visit Freq/Week
= 5.60 over 30 days |
Ameriprise Financial has some competitive products that are worth considering. Good luck!
Rod Originally Posted by cpowell  Due to a recent job change I need to purchase term life and also need short/long term disability insurance coverage. Til now I have worked for large companies that offered life insurance at a decent rate and provided disability coverage free of charge.
I realize that this is WAYYYY off-topic but I would appreciate any help that you could offer. I would like to find competitive rates from reputable companies.
BTW I have a new found respect for anyone who has changed jobs late in life. I am in my fourth week and have just now begun to settle down. The company I joined is absolutely top-notch!!
Chuck | |
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07-18-2008, 01:28 PM
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#7 |
Name: Bruce City: Apex State: NC County: Wake Join Date: Nov 2005 Avg Visit Freq/Week
= 6.77 over 30 days |
You might want to visit Clark Howard's web site ( www.clarkhoward.com) and see what his recommendations are. He is on the radio, morning and afternoons in the central NC market. 680 in the mornings and 101.1 in the afternoons. I think 101.1 does streaming on the web. | |
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07-18-2008, 02:11 PM
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#8 |
Name: Keye City: Lancaster State: SC County: Lancaster Join Date: Mar 2007 Avg Visit Freq/Week
= 4.90 over 30 days |
At least in some situations it is possible to continue disability insurance, with the same insurance company, as you had with your previous job.
I know we have disability insurance from when my wife worked for Wachovia. The rates are very reasonable. I think we received info direct from the insurance company after my wife left Wachovia. Your previous company HR department should be able to help you. | |
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