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re: Life insurance questions\advice
Posted on 9/29/17 at 10:15 am to LSUvegasbombed
Posted on 9/29/17 at 10:15 am to LSUvegasbombed
quote:
What if you suddenly die after 1 or 2 years, are they really going to write a check for lets say 1 million dollars if you only paid for 2 years?
Yes. That's how it works. It's a contract.
Another poster mentioned your employment, which is a decent option if you are not healthy, as you get a group rate.
However, if you should leave that employer, your life insurance obviously will not transfer. And, if you try to get it a decade from now, you will be rated as a 43 yr old, which obviously will be worse than a 33 yr old.
Call a broker, get some term for 20-30 years, and sleep well at night knowing your family is protected.
Posted on 9/29/17 at 10:26 am to BamaCoaster
quote:
Call a broker, get some term for 20-30 years, and sleep well at night knowing your family is protected.
this. the better health you are (weight and medical history being primary factors) the cheaper it will be. and shop around. i used 3-4 different brokers (and a few medical tests) to get the best rate. ultimately ended up paying less than half what first offer was with a well respected company. your auto insurer may be a decent place to start (state farm and several others also do life). also your financial advisor if you have one.
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