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daviddsims
LA-Monroe Fan
West Monroe
Member since Dec 2008
469 posts

Life insurance

I got married a little over a month ago and was looking at insurance for the spouse. We are both early thirties and no tobacco. I currently have a universal life policy of 150k and was looking at the same for my wife. I looked at a thirty year term and it is half the price of universal for her. Can someone explain the advantage or either for our situation? I just don't trust a sales person to have my best interest in mind with commission on the line.


MontyFranklyn
Alabama Fan
T-Town
Member since Jan 2012
6824 posts

re: Life insurance
First of all make sure your UL is funded properly. 2nd I would just get a wl policy on her with a term rider. You convert some or all of the term into the wl later


MontyFranklyn
Alabama Fan
T-Town
Member since Jan 2012
6824 posts

re: Life insurance
Also just do your on life needs analysis. That way you will know exactly you need on yourself and your wife


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