Can anyone tell me a good life insurance. Right now l have term accidental death life insurance through my employer.

sun life financial

one question, are you married, do you have kids, if know one relies on you, and know one will suffer financially if you die you do not need life insurance. If not freedom 55 is a good bet

Term is not worth anything, you need a universal policy.

See an independent insurance agent and ask for quotes. Forget the on-line insurers - they will ''low ball'' you with a low ''preliminary'' quote that changes when the policy is issued.

l am a licensed agent in Michigan with Farmers Insurance Group and we have many to choose from depending on your situation. It is always good to own your own policy in case your employer ever shuts its doors or out-sources your department then you are not trying to buy a policy at the older age.

Use the tool on my site to quote ~150 companies. It requires no personal information to use.

http://InsurancePickle.com/life-insurance/

The answer above stating term is worthless, knows nothing. They apparently never read a Universal Life policy where it states the coverage is a TERM policy.

Moving on, no one here can give u a full answer, u need to talk with a local financial person, not an insurance agent. Someone who works with several aspects can give u a better recommendation based on ur situation.

Also, drop an ''accidental'' coverage u have. It pays out less than 17% of legitimate claims. For example, if u get into an accident, & die on the scene, it would pay. If u die en route or at the hospital, it wont pay. You died because of complications related to the accident, not because of the accident.

That being said, if it is offered truly free (no gimmicks, like return of premium), take it.

l always encourage people to obtain their own life insurance policy. The life insurance u get from ur employer is usually not portable when u leave ur job & u do not want something to happen while u r between jobs or if ur next employer does not offer any benefits. Also with accidental coverage u only covering a small portion of ur risk. l would strongly encourage u to get a policy that covers death from all causes. A regular 20 or 30 term life insurance product from a highly rated company usually provides the affordable protection that most families need, but l would encourage u to do a little more research on ur specific needs before purchasing additional insurance.

Zander Insurance, they shop everyone for you!