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Off-Topic: Life Insurance?
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Who has it?
Who do you have it with?
How do you compare multiple company quotes without giving your information to a website that is just going to sell it away...?
My Personal Finance Blog -
Wow... no one has life insurance? Really?
My Personal Finance Blog -
I have some life insurance with my superannuation account... but its only basic stuff.
I'm only 19, don't plan on dyeing any time soon...It is one thing i haven't ever looked at at all.
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I hate needles and they have to come draw your blood to authorize a plan. No life insurance for me, not yet.
Is that stupid? Yes, very much so.
Proud founder of YGG -
Oof. Eric. Tsk tsk. What happens when you bite the bullet unexpectedly? I'm only interested now because we have a house = big liability for my wife.
My Personal Finance Blog -
I'm interested too. It's a matter of money, time, and cutting through the bull shit.
Proud founder of YGG -
- CommentAuthorchris.pund
- CommentTimeAug 2nd 2007
I am still covered by my parents plan for a couple more years I believe.
Dorm Room Biz -
I got life insurance through work with my benefits package. Its about my annual salary but considering I have no dependents, its more than enough. Probably take care of funeral costs and some change for my parents..meh..
For those of you homeowners interested in life insurance that covers the home, make sure you get the type that gives you the starting mortgage amount NOT the balance (as most do). No point in having the bank come in and eat up all your equity. Seems pretty obvious but you'd be surprised how many people I come across that have the latter...
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I have both a universal life policy and a term policy. The term policy is in case I die, it will cover the bulk of my mortgage for my wife. The UL policy is to cover general expenses related to death + allow my wife to take some time off in the worst case. My plans are with SunLife (big insurer in Canada).
The UL policy is fairly expensive, and the big expense fees for the management of the surplus funds add to the fleecing. I plan on getting rid of this policy once I have enough of a side nest egg to not need this.
I declined homeowners insurance since it's not as comprehensive or flexible as the term policy, and is about the same price. I went with two separate term policies so I don't have to renew one of them in 10 years when the mortgage is more paid off.
Investoid - Finance and Investing in Perspective
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