I'm early 30's with a family. Just looking to get $500K for 20 years or so. I've googled best companies to go with, but was just curious of suggestions here.
I'm early 30's with a family. Just looking to get $500K for 20 years or so. I've googled best companies to go with, but was just curious of suggestions here.
Mass mutual
Thanks. Any reason? Is it priced well?
Stick with term, not permanent unless you a uber rich and need tax shelters, and get a couple quotes - most should be in close range of each other. And hope you don't have to use it!
Bump
Get a policy that will cover you until retirement. It may be a few dollars per month more but is worth the peace of mind. Do it now as your rates will be less in the long run. When I was 46, got a 20 year policy (took a physical) for $30 a month ($250k pay out if I die). I have no consumer debt.
I purchased a 20 year term policy at the age of 46 from Northwestern Mutual which is supposed to be a very reputable company. Their premiums are on the high side and I pay $193 each quarter for a $400,000 or $500,000 policy (I don't recall) .
Get term only. Call Select Quote or similar and let them do shopping. You may want to get a longer term unless you think you can offset need with savings. Also consider getting spouse insurance if applies.
broken zipper wrote:
Get term only. Call Select Quote or similar and let them do shopping. You may want to get a longer term unless you think you can offset need with savings. Also consider getting spouse insurance if applies.
I agree on term. The length is what is debatable.
Fair rates and easy underwriting if you are in good health, which I’m guessing you are if you’re a runner
We shopped around a bit and ended up with American general.
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