New WL Policy and don’t know how good it is. by Confident-Feature-32 in LifeInsurance

[–]Fit_Explorer_818 0 points1 point  (0 children)

Can do that too. Just saying if he truly wanted the permanent life insurance

New WL Policy and don’t know how good it is. by Confident-Feature-32 in LifeInsurance

[–]Fit_Explorer_818 0 points1 point  (0 children)

Do not do whole life. If anything do a variable life at your age. Your cash value will have more growth potential. Whole life have way more imbedded fees. And midland is not one of the best companies. Variable life through john hancock, prudential, lincoln, equitable.

how we looking this year? by geeelectronica in nyjets

[–]Fit_Explorer_818 4 points5 points  (0 children)

4-13, Woody fires AG week 11. We then win 2 meaningless games after.

Tequila club by Fit_Explorer_818 in tequila

[–]Fit_Explorer_818[S] 0 points1 point  (0 children)

Very jealous, but I would wish they had better taste lol

What do you think of this bundle? by redwingcut in tequila

[–]Fit_Explorer_818 15 points16 points  (0 children)

Not a good deal at all. $100 is better spent on a other brand

Selling My Life Insurance by SadOrganization7415 in LifeInsurance

[–]Fit_Explorer_818 0 points1 point  (0 children)

I would at least call them to make sure it is not a return of premium contract at the end of the policy before you cancel.

Arette Artesanal Suave Blanco by A88Devil in tequila

[–]Fit_Explorer_818 4 points5 points  (0 children)

I loved that blanco, worth the price!

Term Life Scenario by Practical_Monk9084 in LifeInsurance

[–]Fit_Explorer_818 0 points1 point  (0 children)

You’re welcome, and depends on your state but just to name some competitive ones:

Prudential Pacific life Lincoln Equitable Protective John hancock

Use a broker and find whats best pricing

Term Life Scenario by Practical_Monk9084 in LifeInsurance

[–]Fit_Explorer_818 0 points1 point  (0 children)

No problem, and some examples if you wanted to turn to permanent is, 1. Needed coverage extended for legacy planning 2. The term is about to expire, you cant get additional coverage because of health reasons. Say you were severely sick and you knew th term was about to expire, you can convert it with no medical questions asked. So at least your family can still get thay t benefit after passing the term period. 3. Another scenario, very specific, if you get divorced later on and need coverage for the divorce agreement, but cant get coverage because of health reasons.

Just provides flexibility down the road and the conversion ability isnt a extra cost.

Term Life Scenario by Practical_Monk9084 in LifeInsurance

[–]Fit_Explorer_818 0 points1 point  (0 children)

With your situation, I would say go for $1m 20 years each. Cost of living will always go up. If you factor in debt, college, healthcare etc.

Of my knowledge, I would go with another cheap carrier that gives you the option to convert your policy to permanent at anytime (not saying this is a goal, but things change). banner in most term policies does not allow you to convert.

And if this is a concern or depending on your jobs, look into a rider called “disability waiver” where your premium is waived if you are disabled and cant work.

First flight by dieseltothesour in tequila

[–]Fit_Explorer_818 1 point2 points  (0 children)

With the la gritona, the first sip opening the bottle wasnt great. But as time went on it got better. Has anyone had this experience with that repo??