I’m Not Sure I’m Protected
By Brains on Feb 14, 2009 in Health
I think I need to research some life insurance. I actually have some, but it occurs to me that if my husband dies I only get 150K. If I die, he gets more like 4 or 500K. This is mainly because I have extra term insurance from a long time ago, but the more I think about it, the more I think I need to cover myself better—not just cover myself better, if you know what I mean.
Trouble is, there are so many products out there. I’m not sure what the best life insurance policy would be considering that he’s overweight. But we recently had a new son and we have a big mortgage, so even though I make pretty good money, I’m not sure that I could hang onto the house and pay for daycare for my son. I think there are policies out there that don’t require a medical exam, but don’t they ask for your age, weight, not a smoker, etc? I wouldn’t mind moving to a smaller house or townhome, but I’d like to stay in Douglas County, where my sons are already attending school. That’s a tall order because things aren’t exactly cheap here. But I’m not even certain that I can afford new insurance on my husband.
James | Mar 3, 2009 | Reply
I’m still laughing uncontrollably at your title. I was about to recommend sitting down with a counselor at Planned Parenthood until I actually read this post.
Jillian Gottfried | Mar 5, 2009 | Reply
I’ve never looked into long-term insurance plans myself. It’s just another form of gambling to me, except the only way to win is to die. That’s either really deep or really depressing.
Jermaine Gold | Mar 9, 2009 | Reply
So, you don’t get a lot of money if he dies, but he gets a bailout-full of money if you die. This sounds like the beginning of a great murder mystery novel.
Jamie Greer | Mar 11, 2009 | Reply
I heard Douglas County is having some money problems right now. Apparently, the school district there has had to cut a lot of benefits for teachers and students alike.
gabe | Mar 13, 2009 | Reply
Married or no, I think life insurance should be one of those things individuals decide about for themselves. It might seem cynical, but you only get one life and you can marry as many times as you want.