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Joined: Apr 2010
Posts: 6,758
FGF Premium Member
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FGF Premium Member
Joined: Apr 2010
Posts: 6,758 |
I'm not sure about whether or not your descriptions of whole vrs term are the same here.
Term is least expensive here.
Whole is more money and less coverage. $50,000 sounded good 30 years ago, now you need at least $500k.
Never buy a policy that has a "Investment" option. Sucker polices in my opinion.
Term life is cheaper than "Term mortgage" insurance. That might be what your describing. Mortgage insurance is a no no. Up your term life (cheaper and conditions are more reasonable.
If your still working, consider LTD (Long-Term disability).
I bought it years ago and in 2009 I went on LTD for the rest of my life. Turned out to be a good investment.
Engine Test Stand Playlist: https://www.youtube.com/playlist?list=PLwoxyUwptUcdqEb-o2ArqyiUaHW0G_C88restoring my 1968 Firebird 400 HO convertible (Firedawg) 1965 Pontiac Catalina Safari Wagon 389 TriPower (Catwagon) 1999 JD AWS LX Lawn tractor 17hp (my daily driver) 2006 Sequoia 2017 Murano (wife's car) 202? Electric car 203? 68 Firebird /w electric engine 2007 Bayliner 175 runabout /w 3.0L Mercuiser__________________________________________________________
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