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re: Everybody wants to sell me insurance...
Posted on 2/4/14 at 8:48 pm to windshieldman
Posted on 2/4/14 at 8:48 pm to windshieldman
quote:
windshieldman
Yes, your rate will go down. Tobacco actually doesn't really effect whole life premiums for the most part. It effects the cash value performance more than anything as the insurance costs more, but the Premiums are usually the same as non-tobacco.
Most policies have a 3 year reconsideration period for tobacco (be tobacco free for 3 years and you can reconsider the rate). They will probably require a saliva test, but yes it will lower your rate.
This post was edited on 2/4/14 at 9:01 pm
1
Posted on 2/4/14 at 9:37 pm to GoCrazyAuburn
Alright GCA,
I get really cheap term through my company. 2x salary which is roughly 150k. I pay for supplemental 4x salary which is very very cheap. So add another 300k. I've also got supplemental on my wife for 40k. The people I talked to did not give me a death benefit calc. I'm 27. Wife is 26. Have a 3 month old son. We're in a starter home @ 1k/month for mortgage and escrow. Be both have 401ks and Roth IRAs that we've maxed for 3 years and will continue to do so.
Can you sell me whole life?
I get really cheap term through my company. 2x salary which is roughly 150k. I pay for supplemental 4x salary which is very very cheap. So add another 300k. I've also got supplemental on my wife for 40k. The people I talked to did not give me a death benefit calc. I'm 27. Wife is 26. Have a 3 month old son. We're in a starter home @ 1k/month for mortgage and escrow. Be both have 401ks and Roth IRAs that we've maxed for 3 years and will continue to do so.
Can you sell me whole life?
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