Need some help on life insurance

She sounds like a gold-digging whore.

i pay around $80 a month for over 1 million

you can do MUCH better than $26 per month for $100,000

ETA:

im 31, not in great shape (but according to their tests i am), not a tobacco user

but yea, im more curious why your fiance cares

No that's not a good deal in my opinion. I am 28, got 500K 25 term for $31/mo.

Mine is s term through work, 250k for $24 a month. It's full pay till 65 and then goes to 50%, at 75 it goes to 10%
Eta: I'm 34

You should shop around. I'm not sure of the current rates, but that sounds a little high to me.

Btw, I would not make my fiancé the beneficiary of the policy until we were married - but, that's your decision, of course.

I would try to link up your life policy with your property and casualty coverage(home and auto)to take advantage of built in discounts. Most companies who do this will keep the two separate meaning if you go shopping later for the p&c due to rate increases, you will not have to sacrifice the time you have built up on your life policy such as the two year contestability period however it should tap into discounts for the p&c and vice versa.

I would also look to get more coverage than $100,000. If your boss walked into your office tomorrow and said to you "I will write you a check immediately for $100,000 EXCEPT you can never work another day in your life to make another dollar in wages" would you take that deal? Pretty much nobody would at your age. That is basically what you are settling for at $100,000 of coverage. You don't want that. Get more and get locked in as you will never get cheaper rates from how it sounds from how you described your situation...

That's high. I'm older...higher payout & mines less.

Just tell her that her insurance policy is the first man she can entrap after you croak.