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Message
What's the best website to shop around for Life Insurance?
Posted on 1/26/17 at 10:18 am
Posted on 1/26/17 at 10:18 am
Looking to get a good policy. My work offers life insurance, but only $100,000
6
Posted on 1/26/17 at 10:21 am to Chad504boy
yes term life insurance
Posted on 1/26/17 at 10:22 am to TechDawg2007
I just got a policy from AAA a couple weeks. I also checked out Fidelity Life. Both had good rates.
Posted on 1/26/17 at 10:22 am to TechDawg2007
Why term if you can have term now at $100k?
Posted on 1/26/17 at 10:23 am to Sao
Best quote I ever heard was, "A wife doesn't know the importance of a life insurance policy, but a widow does"
Posted on 1/26/17 at 10:24 am to Sao
quote:Because I have a wife and two kids
Why term if you can have term now at $100k?
Posted on 1/26/17 at 10:26 am to TechDawg2007
Zander worked well for me
Posted on 1/26/17 at 10:27 am to tankyank13
Second Zander
Posted on 1/26/17 at 10:28 am to Sao
quote:
Why term if you can have term now at $100k?
that's nothing. everybody should be carrying a million plus term if they are not old and have a family.
Posted on 1/26/17 at 10:28 am to TechDawg2007
True but more to it than that. Any kids? Idea there is to get them past college if something happens to you suddenly. Figure what they will need until, say, age 25 or even 30. Term is a good option for children as beneficiaries. As far as Whole, what is your current age?
Posted on 1/26/17 at 10:29 am to TechDawg2007
quote:pics?
a widow
Posted on 1/26/17 at 10:30 am to TechDawg2007
Globe Life
Posted on 1/26/17 at 10:30 am to Sao
quote:I'm 39, wife is 32. We have an 8 year old and a 4 week old
. As far as Whole, what is your current age?
Posted on 1/26/17 at 10:32 am to Chad504boy
I know I carry enough that if my wife knew, she would've smothered me in my sleep years ago.
Posted on 1/26/17 at 10:33 am to TechDawg2007
Does your employer offer supplemental life insurance that you can purchase yourself? Many do.
Posted on 1/26/17 at 10:34 am to slackster
They offer up to $100,000. I pay $12.62 a month for it
Posted on 1/26/17 at 10:34 am to Chad504boy
quote:
everybody should be carrying a million plus term if they are not old and have a family
Pretty much.
Posted on 1/26/17 at 10:36 am to TechDawg2007
Select quote isn't bad either. I've used them before.
ETA: While you're at it, get quotes for long-term disability if you don't already have it or don't have enough.
ETA: While you're at it, get quotes for long-term disability if you don't already have it or don't have enough.
This post was edited on 1/26/17 at 10:39 am
Posted on 1/26/17 at 10:43 am to TechDawg2007
Do them a favor for me... Whatever insurance you decide to do for a death benefit, you have to add paycheck security in there somewhere. I would wager your employer offers supplemental insurance through a Colonial Life or Aflac type company. Buy supplemental accident and hospitalization without fail. With deductibles and OOP gaps the way they are today, you have to protect your lost wages and savings. Also, buy cancer and heart attack coverage as well as short term disability. 1 in every 2 men will be diagnosed with some form of cancer and 1 in 3 women, the same. Supplemental pays for lost wages, travel expenses, lodging, and much more. Medical doesn't touch those things.
FWIW, Aflac has higher premiums and lower payouts for all of the above compared to Colonial. My personal experience. Colonial also has great rates on all term, whole and variable offerings as well.
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