Who do you have Life Insurance with?

Where do you live?

My insurance agent is Jerry Christopher. You may know him as the bassist for Bag of Donuts.

Dude does an outstanding job of pricing out mutiple plans.

I just recently purchased a cash accumulation insurance product through Midland National. It works as both life insurance with a death guarantee and a retirement product.

Because my medical records showed no potential issues with my health, I was able to bypass the medical exam. And they offered me a term life insurance product, which I pay on monthly.

Here's his website if you want to give him a call LINK

Just see who Ethos uses as an underwriter. Obviously get a comparative quote, but it's not too complicated. I have Northwestern Mutual and VGLI outside of employer provided.

Consider going to your auto/home insurer and asking for a quote too. They will trip on their junk to sell you a policy because of the kickbacks they're likely to get from the company.

I use Prudential.

Some insurers are better for underwriting certain medical conditions, so if you have any medical issues, it might make sense to talk to an insurance salesman who walk you through the process. For me, it was my CFP.

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Dave Ramsey

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Question is a bit of a difficult one to answer as there are a lot of factors involved. How big of a policy you need, type of policy you need, duration you'd need it for, underwriting concerns, what you are trying to cover with it.

If looking at just a basic term policy, while price is certainly one of the more important factors, don't just go for the least expensive option based on that. Ultimately, the company is important as at the end of the day, you want the process of your spouse or beneficiary getting the money if you died to be as easy as possible. So, take into account how reputable the company is that you are buying from. Northwestern Mutual, Mass Mutual, New York Life, Prudential, Mutual of Omaha are all solid companies and really isn't much concern financially with them or their ability to be around say in 30 years. There are plenty more out there that are good as well, those are just some of the bigger dogs for sure. That's not to say it isn't worth looking at other online options or what an online broker site can find to take into account as well, but I'd just caution from strictly looking at the cheapest option, there is more to it than that.

If you do a term policy, make sure to get whatever their version of a disability conversion and premium waiver rider on it. If you become disabled, your term policy will get converted to a whole life policy and premiums covered. That is where someone like the first three I mentioned probably have an advantage.