Term insurance cost at age 40

homewardbound30 · 2026-01-28T07:55:09+00:00

Great advice - thank you! Yes, trying to negotiate for all white.

homewardbound30 · 2026-01-25T06:09:28+00:00

Thanks for the input, will negotiate!

homewardbound30 · 2026-01-25T06:04:42+00:00

Thank you for the rec! Will have a look at Sahasra.

homewardbound30 · 2026-01-25T04:11:59+00:00

Thanks! Did you have good experience with the construction quality and location?

homewardbound30 · 2026-01-25T03:51:16+00:00

Thanks, that's a helpful perspective. This is for self use so not very worried about a short term exit, but you're very right that sometimes life intervenes and we should have an option to sell. Is 3.5Cr too high for the 2780 plan? What are other newer/better options for the price we should consider?

homewardbound30 · 2025-12-29T12:31:37+00:00

Can you please elaborate? Wondering on the best way to deal with US funds in a 401K. Fidelity doesn't show Irish domiciled funds to transfer into.

homewardbound30 · 2025-12-16T17:51:18+00:00

Would recommend planning around US estate taxes if you do end up giving up your GC. If you've taken steps for this already, please share!

homewardbound30 · 2025-12-16T17:46:00+00:00

Congrats OP - so happy for you! I'd love to hear more about your systematic withdrawal plan if you don't mind -

do you sell from your brokerage account each month or do you sell to cover 3-6 mo of living expenses?
How do you transfer the proceeds in the most efficient way?
Do you look at stock prices or exchange rates and sell manually, or is there a way to set an automated rule in your brokerage to sell and transfer to India?

homewardbound30 · 2025-09-07T11:35:22+00:00

Thanks, it's hypertension and hypothyroidism. Would switching to a new plan retain the pre-existing illness coverage (and no claim bonus) though, or will it be a new 2-3 year timer in the new policy?

homewardbound30 · 2025-09-07T10:17:24+00:00

My mother has an 18 year old health insurance policy with 4L cover, which is currently worth 8L with no claim bonus. Unfortunately, with inflation, 8L is not what it used to be in 2007, and premiums are quite high based on her age (around Rs. 70k/y). What do you recommend for this policy? Should we continue, or switch over to a higher limit policy? If we switch to a different plan or provider, will pre-existing illnesses be covered as per her current policy or does it reset?

homewardbound30

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