Term Life Insurance Estimates - Term Life Insurance

West Bancorporation, Inc. Announces Results for 1st Quarter of 2010 MarketWatch (press release)

29.04.10

(The "Company"), parent company of West Bank, reports net income available to common shareholders of $2.8 million or $0.16 per common share for the first quarter of 2010 compared to net income available to common shareholders of $2.4 million or $0.14 per common share for the same quarter in 2009. "We are pleased to see continued improvement in our earnings over the past three quarters," said Chairman Jack Wahlig.

The improvement in net income can largely be attributed to a reduction in the quarterly provision for loan losses. The results for the first quarter of 2010 included a provision for loan losses of $2 million compared to $3.5 million a year ago. The allowance for loan losses as a percentage of loans outstanding as of March 31, 2010, was 2.04 percent. This is up from 1.61 percent a year ago. Management believes the allowance is adequate to absorb the losses inherent in the loan portfolio, although the uncertain economic environment will continue to be a significant determinant of future loan losses. During the first quarter of this year, total nonperforming assets increased by $3.5 million to $56.5 million. The following changes in nonperforming assets took place during the quarter: nonaccrual loans decreased by $0.9 million, restructured loans increased by $3.7 million, and other real estate owned grew by $1.6 million. Although the level of nonperforming assets remains higher than we like, the nonperforming assets that have been liquidated were sold at or near the carrying value of those assets. It should be noted that while restructured loans are considered nonperforming assets for regulatory purposes, those loans are earning interest income, albeit at a lower level than before the loans were restructured. Loans outstanding totaled $992 million at March 31, 2010, down from $1.12 billion a year ago. Demand for new loans continues to be soft.

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Term Life Insurance Calculator

Are term life insurance calculator reliable and accurate? Where can I find one?

Wendy

Dallas Texas

 

Insurance websites have their own term life insurance calculator that can be considered reliable. These calculators though can be confusing to first-time users who only want to know or get quotes for their age and coverage amount. Some companies designed their term life insurance calculators so that a person has to enter a lot of information that would lead to the ideal amount he should get as coverage.

If you have a lot of time in your hands, you wouldn’t mind doing this. But if you are busy and would simply like to know the rates, being led around will prove irritating. You may become frustrated and decide to talk to a live customer service representative over the phone. Before you do this, try visiting other sites and leave the one you don’t like. Online shopping will still turn out the best option for you in the long run because of its convenience and the availability of comparison tools. The next best thing you can do is to go to a broker’s website or any other kind of website that provides quotes directly without having to require the user for many information. Basic information requirement would include age, face amount and coverage period or term of of the policy. Once you have entered these things, you need not fill out the rest of the questionnaire as you will still get the quotes.

From there, several rates will be displayed on the screen that are the result of your using the term life insurance calculator. Usually, these rates are just estimates particularly when you have entered very little information about yourself. The difference though could be very little as term insurances are generally dependent on age alone. Some companies may even give you coverage without requiring for a medical examination.

Source: Life Insurance Dallas - Dallas Life Insurance

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