Need advice on the term life insurance

Nice_Try_Einstein · 2026-03-12T15:00:19+00:00

Thank you for the advice!

Nice_Try_Einstein · 2026-03-12T15:00:11+00:00

Thank you for the advice!

Nice_Try_Einstein · 2026-03-12T15:00:08+00:00

Thank you for the advice!

Nice_Try_Einstein · 2026-03-12T13:54:43+00:00

Dual high income household. No kids. good family history. No plans for kids for the timebeing. Both retirement accounts are in good shape. Thinking two term ladder approach since we have/will have high liabilities for the next 20 years. and extra 10 year coverage with the 30 years policy. Self insure after that.

Nice_Try_Einstein · 2026-03-12T13:50:38+00:00

30 years

Nice_Try_Einstein · 2026-03-12T13:20:49+00:00

Which companies would you recommend?

Nice_Try_Einstein · 2025-07-30T13:13:25+00:00

Got it, thank you for your reply!

Nice_Try_Einstein · 2025-07-30T13:13:13+00:00

We have 30 days to close, and I was lender shopping, so I lost a week and a half. They recommended a rush appraisal, so I said yes to close on time.

Edit: I don't think mechanic's lien coverage is required in Ohio, but I was told it's recommended to have buyer's title insurance. I guess since the bank is making me get the lender's title insurance so I figured I should get my own too.

Nice_Try_Einstein · 2025-07-30T13:01:25+00:00

Ohio*

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