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fishfighter 
LSU Fan
Baton Rouge
Member since Apr 2008
11210 posts
| Life insurance (Posted on 12/3/12 at 3:19 pm)
Anyone here sell term life insurance? Got fired a couple days ago, but am able to move my life insurance over to a whole life. They want to charge me $46.50 a month per 1k. WTF?
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Jwodie
LSU Fan
New Orleans
Member since Sep 2009
3905 posts
| re: Life insurance (Posted on 12/3/12 at 4:06 pm to fishfighter)
I can refer you to a great guy who handles my account. Let me know if interested.
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Doink
LSU Fan
Greatna
Member since Sep 2012
25 posts
| re: Life insurance (Posted on 12/3/12 at 4:37 pm to fishfighter)
I am an agent with New York Life in the BR/NOLA area. I can help you out and answer any questions you may have. E-mail me if you are interested in speaking. Waharris@ft.newyorklife.com.
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fishfighter
LSU Fan
Baton Rouge
Member since Apr 2008
11210 posts
| re: Life insurance (Posted on 12/3/12 at 4:42 pm to Doink)
quote:
I am an agent with New York Life in the BR/NOLA area. I can help you out and answer any questions you may have. E-mail me if you are interested in speaking. Waharris@ft.newyorklife.com.
Will email you later. Thanks. Had insurance thu ING. Still $46.50 per 1k? Not in this life time. 
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GoCrazyAuburn 
Auburn Fan
Member since Feb 2010
9088 posts
| re: Life insurance (Posted on 12/3/12 at 11:22 pm to fishfighter)
quote:
They want to charge me $46.50 a month per 1k
How old are you? 90? That is obscene. I have never scene a policy that expensive.
This post was edited on 12/3 at 11:27 pm
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Burt Reynolds 
Florida State Fan
Marrero
Member since Jul 2008
11520 posts
| re: Life insurance (Posted on 12/3/12 at 11:39 pm to fishfighter)
quote:
Anyone here sell term life insurance? Got fired a couple days ago, but am able to move my life insurance over to a whole life. They want to charge me $46.50 a month per 1k. WTF?
Most life insurance is a skam imo
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756
LSU Fan
Member since Sep 2004
8592 posts
| re: Life insurance (Posted on 12/4/12 at 5:36 am to fishfighter)
Zander insurance online
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cbtullis
LSU Fan
Baton Rouge
Member since Apr 2004
2754 posts
| re: Life insurance (Posted on 12/4/12 at 11:39 am to 756)
46.50 a month for 1k is the most outrageuos thing I have ever heard.
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GoCrazyAuburn
Auburn Fan
Member since Feb 2010
9088 posts
| re: Life insurance (Posted on 12/4/12 at 11:51 am to cbtullis)
No kidding. There has to be something else here. I have never seen a permanent policy that expensive. That is shocking.
OP, what company is offering that?
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gatorsimz 
Florida Fan
cafe risque
Member since Feb 2009
5237 posts
| re: Life insurance (Posted on 12/4/12 at 2:30 pm to fishfighter)
quote:
They want to charge me $46.50 a month per 1k. WTF?
Hmm... are you an eighty year old, 500 pound, tobacco user with prostate cancer? If so, that's a pretty good deal 
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fishfighter
LSU Fan
Baton Rouge
Member since Apr 2008
11210 posts
| re: Life insurance (Posted on 12/5/12 at 4:31 am to GoCrazyAuburn)
quote:
No kidding. There has to be something else here. I have never seen a permanent policy that expensive.
It is a rollover from my job. Was insured thru ING. When I talked to them and they told me that, I at that person. The rollover turns over to a Whole life. I'm 54. I have 31 days to get some more life insurance. Problem is that I'm in CHF, disable now. And no, I don't smoke, I'm 6' tall and weight in at 165lbs.
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GoCrazyAuburn
Auburn Fan
Member since Feb 2010
9088 posts
| re: Life insurance (Posted on 12/5/12 at 2:01 pm to fishfighter)
Wow. I've never actually run into an ING policy before, but I guess I know why. That is the most ridiculous thing I have ever seen.
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lsurulesall
LSU Fan
Baton Rouge
Member since Mar 2010
123 posts
| re: Life insurance (Posted on 12/5/12 at 4:24 pm to fishfighter)
Ya, that is absurd. I am an agent with Northwestern Mutual here in BR, and I have never seen that high of a premium for somebody without a serious condition. I would also like to throw my name in the hat to help you meet your insurance needs. I would suggest meeting with both myself and the agent from NYL in order to decide the best policy for you.
This post was edited on 12/5 at 4:36 pm
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jdg91878 
New Orleans Saints Fan
Do overs+Opinion poll politics =MNC
Member since Oct 2010
3702 posts
| re: Life insurance (Posted on 12/5/12 at 7:01 pm to Burt Reynolds)
quote:
Most life insurance is a skam imo
This is true of all cash value trash on the market
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GoCrazyAuburn
Auburn Fan
Member since Feb 2010
9088 posts
| re: Life insurance (Posted on 12/5/12 at 7:04 pm to jdg91878)
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Lsupimp
LSU Fan
Baton Rouge
Member since Nov 2003
25000 posts
| re: Life insurance (Posted on 12/6/12 at 11:18 am to GoCrazyAuburn)
This thread is a perfect example of the need for people to own their own term life insurance policy that adequately covers their exposure. That company-provided policy ain't gonna cut it.
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adavis
LSU Fan
Member since Aug 2007
3238 posts
| re: Life insurance (Posted on 12/6/12 at 5:58 pm to fishfighter)
That is the most ridiculous thing I've ever heard. There are instant issue policies out there (no health questions at all) for much much less. I wrote a 78 year old man who had gone through 2 heart attacks and a quad bypass a $15,000 whole life policy for $125 per month. Whole life isn't the way to go for you though. You should get a 20 year term and maybe a small whole life policy. Somebody will be able to give you good coverage for so much less than that garbage your work offered. I've seen NY Life and Northwestern Mutual mentioned-those are both good and fair companies. look into Modern Woodmen of America also-they usually beat both of those companies in price. Stay away from sleazy Primerica Agents! Good luck.
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gatorsimz
Florida Fan
cafe risque
Member since Feb 2009
5237 posts
| re: Life insurance (Posted on 12/6/12 at 6:32 pm to adavis)
quote:
Modern Woodmen of America
 got that fraternal
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fishfighter
LSU Fan
Baton Rouge
Member since Apr 2008
11210 posts
| re: Life insurance (Posted on 12/7/12 at 1:59 am to Lsupimp)
quote:
This thread is a perfect example of the need for people to own their own term life insurance policy that adequately covers their exposure. That company-provided policy ain't gonna cut it.
As long as I had a job, the coverage was great for the price. Was costing me around $15 a month for 5 times my base pay. Never would of though I would of got sick. In fact, my heart problem came from a viro infection. Very common, but 1 in a million does has heart damage from it and I won/lost.
I'm just looking for about 20K term life for me and the wife each. Something to help plant us in the ground.
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Janky
LSU Fan
Team Primo
Member since Jun 2011
2523 posts
| re: Life insurance (Posted on 12/7/12 at 5:28 am to fishfighter)
quote:
I'm just looking for about 20K term life for me and the wife each. Something to help plant us in the ground.
You can get that online.
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