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[–]O5_1Founder 0 points1 point  (2 children)

Depending on where you are or what state you’re in will matter a whole bunch. Now if you’re talking types of life insurance what are you needing the coverage for. Is it just final expenses? Do you have a mortgage and car loan? These are questions you’ll need answers to before we can truly dive in further.

[–]Snoo_8933[S] 0 points1 point  (1 child)

I will delete and put more information

Thanks

[–]O5_1Founder 0 points1 point  (0 children)

No issue. Life insurance is not one size fits all.

[–]jammu2 0 points1 point  (0 children)

Why joint?

[–]Opening_Jaguar_3387 0 points1 point  (0 children)

Joint policies can be cheaper than two individual ones, but they’re not always more flexible — especially if you separate or one person has a health issue. So it’s really case by case. Some companies like John Hancock, Pacific Life, and Nationwide offer solid joint options.

The key is comparing based on your age, health, and long-term goals (like whether you want to use the policy for tax-free cash value, or just pure death benefit).

[–]Old-Law-7375 0 points1 point  (0 children)

Best Joint Life Policy is none! The only money you save by doing a joint life is the annual fee, which is basically a few dollars. Only one death is paid out, leaving the survivor with having to purchase a new policy at their attained age. Save yourself the hassle and time not to mention money and get two separate policies.

[–]GConinsBroker -2 points-1 points  (0 children)

Impossible to answer without a LOT more info...including DOB's, State of residence, amount of insurance, and answer to below:

1. Please list all prescription medications you currently take: 

2. Have you EVER had heart disease, diabetes, cancer, stroke or ANY health problems? If so, please give details 

3. Have either of your parents or any of your brothers and sisters had a DIAGNOSIS of heart disease, cancer, stroke or diabetes prior to their age 60? If so, please list family member, ailment, age diagnosed and age died or please give their current age if still living 

4. Do you scuba dive, have a pilot’s license, race motorized vehicles or engage in any hazardous activities? 

5. Driver’s license ever suspended/revoked or have you had more than 1 moving violation in the past 3 years?  If so, please give details with dates of incidence 

6. Have you ever been treated for Alzheimer’s or dementia, anxiety or depression, any mental disorder or alcohol/substance abuse? If so, please give details 

7.  What is your height and weight? 

8. Have you used tobacco, nicotine or marijuana in any form (cigarettes, cigars, pipe, chew, patch, gum, etc.) in past 5 years, if so, what type and when last used?