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Feb 17, 2019
9:35
:53
am
Tuskaloosa Cougar
All-American
POLL: Life insurance
what kind of life insurance do you have?
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Tuskaloosa Cougar
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Tuskaloosa Cougar
Joined
Jan 8, 2004
Last login
Jun 2, 2024
Total posts
12,060 (243 FO)
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Messages
Author
Time
POLL: Life insurance
Tuskaloosa Cougar
2/17/19 9:35am
Multiple
garyfan
2/17/19 9:38am
30 year term purchased when I was 30
Mr. Belding
2/17/19 9:39am
What is the premium and coverage?
bluecougar1985
2/17/19 9:41am
$200/month. $3 mill
Mr. Belding
2/17/19 9:43am
That is nice to have 30 years, but they sure charge high for it, don’t they?
bluecougar1985
2/17/19 9:46am
That's reasonable
GA_Coug
2/17/19 9:51am
Why not get 3 separate policies for $1MM each?
Superman21
2/17/19 9:55am
How old when you got that?
bluecougar1985
2/17/19 10:01am
I was 30 and my wife was 29.
Superman21
2/17/19 12:22pm
The last 10 years in a 30 are much more expensive
Baron
2/17/19 10:46am
I didnt do the 30 year. I looked at the prices and figured i could a policy late
Superman21
2/17/19 12:25pm
Just a word of caution - waiting until later in life to get a policy can be very
kos
2/17/19 3:12pm
Overlapping multiple policies providing the most coverage during the years...
CougaReb
2/17/19 9:46am
^I do this also. 50% of my coverage is on a 30-year term, 25% is on a 20-year
kos
2/17/19 3:13pm
Pay attention to cougareb this.^^^^^^
Acorn
2/17/19 9:49am
I checked your original post.
Tuskaloosa Cougar
2/17/19 10:39am
It's is hard to guess what you may need and how long
Acorn
2/17/19 1:48pm
^true about long term disability insurance. You’re much more likely to
kos
2/17/19 3:15pm
Much like Super Bowl squares, life insurance is a form of gambling so I stay away from it.
foofcoug
2/17/19 10:07am
My wife is pretty enough some guy will come along and take care of her
RC Vikings
2/17/19 10:26am
I am 3 years into a $1 million dollar 10 year policy.
bluecougar1985
2/17/19 10:33am
"free money"
Baron
2/17/19 10:44am
Right, but it almost is compared to the little cost.
bluecougar1985
2/17/19 10:59am
What does SGLI count as?
demon_llama
2/17/19 10:30am
I'm probably underinsured but I have a small term policy, I'm paying the
Born2Fish
2/17/19 12:34pm
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