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JWG421
Our miracle is here
Member since 12/12 2507 total posts
Name:
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Life insurance
My hubby and I are looking into life insurance for our family and we don't know anything about it or where to shop
Looking for help!
Where do we find reputable companies
As well, dh had diabetes not sure if that will make Hingis harder
Thanks
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Posted 7/5/16 6:25 PM  |
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MichLiz213
Life is Good!
Member since 7/07 7979 total posts
Name:
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Life insurance
We have AXA.
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| Posted 7/5/16 7:10 PM |
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DiamondGirl
You are my I love you
Member since 7/09 18802 total posts
Name:
DiamondMama
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Re: Life insurance
Posted by MichLiz213
We have AXA.
Same
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| Posted 7/5/16 7:18 PM |
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MarathonKnitter
HAPPY
Member since 2/07 17374 total posts
Name:
EMBRACING CHANGE
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Re: Life insurance
AAA here. i have 10x my annual income, in term life insurance.
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| Posted 7/5/16 7:21 PM |
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WannaBeAMom11
LIF Adult
Member since 1/11 7391 total posts
Name:
Name
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Life insurance
Selectquote.com gave us the best rates
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| Posted 7/5/16 8:12 PM |
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MrsB12614
LIF Adult
Member since 4/14 1986 total posts
Name:
Mrs
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Life insurance
I have one through my employer with Lincoln life insurance and then we have whole life through all state
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| Posted 7/5/16 8:32 PM |
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PhyllisNJoe
My Box Is Broken
Member since 6/11 9145 total posts
Name:
Phyllis
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Re: Life insurance
Went thru Allstate
Whole and term
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| Posted 7/5/16 9:43 PM |
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MrsA1012
love my little girl !
Member since 9/10 5777 total posts
Name:
Me
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Life insurance
do they base the amount of life insurance they will give on your income ?
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| Posted 7/5/16 10:06 PM |
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muffaboo
LIF Adult
Member since 12/10 3797 total posts
Name:
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Re: Life insurance
I have a small policy through my employer (it costs pennies per paycheck) and then I have a more substantial policy through Prudential.
ETA: My husband took care of it. He is in finance and has his life insurance license, even though that's not what he does, so I left it up to him to get.
Message edited 7/5/2016 11:20:36 PM.
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| Posted 7/5/16 11:16 PM |
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JWG421
Our miracle is here
Member since 12/12 2507 total posts
Name:
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Re: Life insurance
Thanks
I been researching how do you know rates?
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| Posted 7/6/16 5:58 AM |
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lululu
LIF Adult
Member since 7/05 9511 total posts
Name:
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Re: Life insurance
Posted by MrsA1012
do they base the amount of life insurance they will give on your income ?
No, I am a SAHM and I have a ton of life insurance because if something happens to me, my husband would like to stop working and stay home with the kids. However, my policy was going into effect before his and so I was going to be way more insured than him. I remember them making me sign something stating I was aware that my husband was taking out large policies on me. I guess they do that so people can't take out huge policies on their spouse and then have them killed for the life insurance!
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| Posted 7/6/16 7:52 AM |
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lululu
LIF Adult
Member since 7/05 9511 total posts
Name:
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Re: Life insurance
Posted by JWG421
Thanks
I been researching how do you know rates?
The rates that you get depend on a number of factors including a medical exam that the insurance company performs, a telephone survey, as well as age and other factors. Once you complete the screening they will tell you what rates you qualify for. I think that the only way to find out is to go thru the whole process.
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| Posted 7/6/16 8:08 AM |
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JWG421
Our miracle is here
Member since 12/12 2507 total posts
Name:
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Re: Life insurance
Are there any companies out there that do not pre test?
My hubby has some medical concerns that are treated and monitored etx
Message edited 7/6/2016 8:38:14 AM.
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| Posted 7/6/16 8:37 AM |
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mommyagain3
LIF Infant
Member since 6/15 144 total posts
Name:
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Re: Life insurance
Contact whoever holds your auto and/or home owners. You may be able to bundle products and save a little money.
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| Posted 7/6/16 9:21 AM |
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Smileyd17
kids
Member since 5/05 20997 total posts
Name:
Mommy
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Re: Life insurance
State Farm. I can help...for info and quotes.
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| Posted 7/6/16 9:59 AM |
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JWG421
Our miracle is here
Member since 12/12 2507 total posts
Name:
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Re: Life insurance
Posted by Smileyd17
State Farm. I can help...for info and quotes.
Sent you PM
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| Posted 7/6/16 10:08 AM |
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BriBri2u
L'amore vince sempre
Member since 5/05 9320 total posts
Name:
Mrs. B
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Life insurance
DH has his through State Farm.. I have one through work.
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| Posted 7/6/16 10:08 AM |
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Paramount
Sweet!
Member since 7/12 4289 total posts
Name:
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Life insurance
One thing. In general stay away from whole life insurance. It has a bad rate of return and just not worth it. You can invest the money by yourself and make more than investing in whole life.
Term is really the way to go. Its fora term. 20-30-40 years? Not your whole life.
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| Posted 7/6/16 10:42 AM |
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JDubs
different, not less
Member since 7/09 13160 total posts
Name:
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Re: Life insurance
Posted by MichLiz213
We have AXA.
This. Best rate for coverage by far.
ETA we have term insurance
Message edited 7/6/2016 12:24:20 PM.
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| Posted 7/6/16 12:24 PM |
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2boys1girl
and one more girl on the way!
Member since 5/10 2954 total posts
Name:
D
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Life insurance
I have Thrivent Financial for 21 years now, I just added to my policy.
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| Posted 7/6/16 2:38 PM |
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AimeeE2006
Time flies!
Member since 1/06 5698 total posts
Name:
Aimee
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Re: Life insurance
How do you figure out how long of a term to take out or how much?
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| Posted 7/6/16 6:24 PM |
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alexb
LIF Adult
Member since 5/13 960 total posts
Name:
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Life insurance
We did 30 year term... We have our policy with William Penn.
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| Posted 7/6/16 7:48 PM |
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ali120206
2 Boys
Member since 7/06 17796 total posts
Name:
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Re: Life insurance
Posted by alexb
We did 30 year term... We have our policy with William Penn.
We do too - through SelectQuote.
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| Posted 7/7/16 8:28 AM |
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ali120206
2 Boys
Member since 7/06 17796 total posts
Name:
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Re: Life insurance
Posted by JWG421
Are there any companies out there that do not pre test?
My hubby has some medical concerns that are treated and monitored etx
I would look into getting an individual life policy for your husband but also look into the price of increasing coverage given through his employer or your employer. That coverage isn't underwritten but, it's guaranteed coverage for anyone, regardless of health condition. It's generally more expensive for someone who doesn't have any underlying health conditions but, it's a good option if you do have underlying health conditions.
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| Posted 7/7/16 8:32 AM |
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JWG421
Our miracle is here
Member since 12/12 2507 total posts
Name:
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Re: Life insurance
Thanks
We are falling out apps and see what is out there
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| Posted 7/7/16 8:36 AM |
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