re: Life insurance questions\advice

quote:

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What if you suddenly die after 1 or 2 years, are they really going to write a check for lets say 1 million dollars if you only paid for 2 years?

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Yes. That's how it works. It's a contract.


Another poster mentioned your employment, which is a decent option if you are not healthy, as you get a group rate.
However, if you should leave that employer, your life insurance obviously will not transfer. And, if you try to get it a decade from now, you will be rated as a 43 yr old, which obviously will be worse than a 33 yr old.

Call a broker, get some term for 20-30 years, and sleep well at night knowing your family is protected.