Post by taylormade on Jan 15, 2013 20:07:17 GMT -5
I want to price out life insurance on my husband. I have to say he's not really 'into' insurance, and since if he passed away I would be the one in need I figured I would just get some for him (he would know about it and be okay with it)
I'm looking at getting a term policy worth about $75,000.
What is the best places online to get quotes from that you trust?
I used them and was very happy. I think dh went with banner life. They set him up with two term policies, one at 20 and one at 30, which saved us a lot of money. I think Krystee might work for them? I'm pretty sure she's who recommended them to me.
75k is not a whole lot, even if you don't have children. I work, we had no kids, and the funeral, flying people in, paying off debts, random bills and associated tasks (unfortunately, you may be responsible for clean up if there were to be an automobile accident or other death that is not an illness---and even an illness, you may have medical bills left over), it would have taken a lot of that 75k.
Also, do you use his income to pay any bills? It needs to replace all of that for at least a few years until you can downsize, get a better paying job, etc.
If you want to scatter his ashes anywhere special to the two of you (I want to scatter my husband's on this one bluff in Hawaii and at a special vacation spot we had in North Carolina), those trips will have to be paid for somehow.
And then of course, time off work, time for grief counseling, money to charity or a scholarship, etc.