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physique
09-10-2008, 06:41 PM
who do you guys recommend? thinking its time to get 1, so my common law partner is set for life, when she chooses to have me killed.

lol
Houstonbc
09-10-2008, 07:06 PM
i.n.g. they piss test though
physique
09-10-2008, 07:14 PM
i.n.g. they piss test though

they can test for whatever they want. i dont use any drugs and have been off gear for close too 2 years.

what kind of monthly payments? say on 500k- 1million dollar policy
physique
09-10-2008, 07:18 PM
whats the difference in categories too?
5yr to 30yr
term 65, term 70, term 75
whole life (adjustable) life pay
whole life guaranteed life pay
whole life (gtd) life pay
whole life (gtd) pay to 65
whole life gtd 20 pay
whole life quick pay
term to 100 life pay adjustable
term to 100 gtd life pay
Gettin'r'round
10-10-2008, 09:36 AM
I've got $1million. Paying $42.50/month. As for piss tests, blah... I've had tests done within weeks of 'roid use. They don't test for those. Why would they? 99.99% of the population don't juice and I bet the tests would cost them too much $$$. They are looking for nicotine, blood sugars, heart attack biomarkers (they can detect if you've had even a minor one), and the basic hard drugs (coke, heroin, meth). Pot i'm not sure about.
They simply don't want you (significant other actually) to collect the policy upon your untimely demise. They also don't pay out if you die while @ war, parachuting, race cars/bikes, snapping of the bungee cord, you get the idea.
kyle
10-10-2008, 10:27 AM
so your saying it has to be a slow painful death to collect?
RagingRandy
10-10-2008, 10:30 AM
Term life would be your cheapest option at this point, as long as you are healthy and under 50. Personally, I do not see the need to carry that much insurance. Get enough to cover the house and your kids college education. With the house paid for one income should suffice for day to day expenses.
Gettin'r'round
10-10-2008, 10:32 AM
so your saying it has to be a slow painful death to collect?

No, just not a early death from doing something reckless.
AlbertaBeef
10-10-2008, 04:13 PM
Go term definately!! Do not let them talk you into any whole life, universal life or any policy with a forced savings portion on it no matter how hard they sell it. I was in insurance and your money is better invested in a proven mutual fund or some other money investiment option.
Redz
10-10-2008, 05:14 PM
Yeah I got the cheapest possible one I forget which it is, its a 10 year re-newable policy 250,000 coverage for me or my wife. Only costs like $18 per month.
physique
10-10-2008, 05:30 PM
Term life would be your cheapest option at this point, as long as you are healthy and under 50. Personally, I do not see the need to carry that much insurance. Get enough to cover the house and your kids college education. With the house paid for one income should suffice for day to day expenses.


kids education??? no way i will pay for that! my kid (s) will learn the hard way as did i, when it comes to paying for school. its called a job!

thanks for the explanation on the policies though
RagingRandy
10-10-2008, 07:25 PM
kids education??? no way i will pay for that! my kid (s) will learn the hard way as did i, when it comes to paying for school. its called a job!

thanks for the explanation on the policies though

I am of the same attitude as you, but most are not. The point was, cover the large life expense to ease the pressure, not go for a lottery win.