Life Insurance for your spouse?

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patientspiders
Veteran Member


Date Joined Jul 2005
Total Posts : 733
   Posted 1/5/2009 3:32 PM (GMT -7)   
I was just wondering what type, if any, of life insurance you guys had for your families? I'm only 27, but I'm starting to think that it would be selfish of me not to have SOMETHING set up in case of my death... but I don't know the first thing about life insurance and neither does my husband.

Is it harder to get or more expensive when you have crohn's? How much is a reasonable monthly payment? It seems like there are so many scams out there, any tips are appreciated!

Thanks guys.
27f, dx'd CD July '05 after 6 fistula/abscess surgeries
(miscarried at 13 weeks, now waiting to heal before trying again)
Stopped Humira August 22nd, 2008.
Went Gluten-Free, noticing some definite improvement.
Started LDN October 27th, and already LOVING IT.

"Our greatest fear is not that we are inadequate, but that we are powerful beyond measure."


FitzyK23
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Date Joined May 2005
Total Posts : 4219
   Posted 1/5/2009 3:52 PM (GMT -7)   
I have some through my husband's employment. I have enough to cover my student loans and funeral expenses etc.
27 Year old married female law student (last year!!). Diagnosed w/ CD 4 years ago, IBS for over 10 years before that, which was probably the CD. I am sort of lactose intollerant too but can handle anything cultured and do well w/ lactose pills and lactaid. For crohns I am currently on Pentasa 4 pills/4x day and hysociamine prn. I also have bad acid reflux and have been on PPI's since age 13. I have been through prilosec, prevacid, and nexium. Currently I am on Protonix in the morning and Zantac at night. I also take a birth control pill to allow some fun in my life.


randynoguts
Veteran Member


Date Joined Jan 2003
Total Posts : 6050
   Posted 1/6/2009 2:46 AM (GMT -7)   
we have enough to cover my wife with sod, and for her to live comfortably when i croak..;0)..

seriously though it will never be cheaper for you to get than now. as you age it gets more expensive. most companies have wierd age lines. like at 29 its gonna go up then 35 -39 group then like 40-47. all wierd groupings. determined by the death rates of those age groups. if you can get some through agroup such as work, credit union membership, union etc.. it usually cheaper... look to pay about 10 dollars a month for each increment of coverage, for example, 10,000=10 bucks a month, 100,000= 100 bucks a month. of course each company will be differant and the coverage time may differ.

term insurance should be for a set time like 10 years 20 years etc.. then at the end you lose coverage or May be given the opportunity to switch to whole life. which will last as long as you pay the premiums.

some whole life policies can be made to pay the premiums with the interest earned after a set number of years..

i would set up an appointment with a reputable person, most agents that sell car insurance for major companies also sell life insurance.. state farm ,allstate, met life , etc...

its good that your thinking about it now. most young people dont and its sad..

also good to buy small policies for children, many people dont realize that when they turn 18 they can convert to a policy without a medical exam. so if they do have some type of illness they can still have insurance as an adult.

like i said please consult a professional and write down the question you want answered. . hope this helps
randynoguts 



     http://www.geocities.com/randynogutsweb/


patientspiders
Veteran Member


Date Joined Jul 2005
Total Posts : 733
   Posted 1/6/2009 10:27 AM (GMT -7)   
my credit union... that's an excellent idea! Thanks randy.
27f, dx'd CD July '05 after 6 fistula/abscess surgeries
(miscarried at 13 weeks, now waiting to heal before trying again)
Stopped Humira August 22nd, 2008.
Went Gluten-Free, noticing some definite improvement.
Started LDN October 27th, and already LOVING IT.

"Our greatest fear is not that we are inadequate, but that we are powerful beyond measure."

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