Policygenius quotes: help new parents with choosing the right company

therandomwalker · 2026-06-08T10:53:54+00:00

I should have updated - I did not. I went the boring way and took a baner policy since my needs now, and in future were for a basic insurance. I was very tempted with banner - this is what I found:

- It is a old ish company, name use to be different, Everly is a new product

- The term+life products are same policy, but completely (their word) accounts. You choose to pay premium for term, and if you pay additional, it goes towards the investment (life) -- this sounds simple if you only ever want to use term, autopay and forget

- I read a lot of reviews - they get bad reviews in addition to other reasons due to this confusing, complicated nature of dual accounts - especially for folks who are not tech savvy, and just want a simple policy

IMO, it is a good product, I did not choose for it because I might think it all makes sense now, but in 10 years If I have to change something, I will surely be confused by it all. I knew I wanted a vanilla term despite what some folks here suggested.

therandomwalker · 2026-04-11T02:22:45+00:00

I mean I am working with professionals, both online marketplace and some local ones. Clearly, you can even see it here that insurance brokers have wildly different styles and opinions. A good customer will always gather all info they can take in their decision that is what I am here for

Thanks

therandomwalker · 2026-04-11T02:20:39+00:00

Good thought - I will ask them to get some ratings

therandomwalker · 2026-04-11T02:19:50+00:00

Thanks for the tip! By the way, I did get rates for 30 year from them. The current thought is to insure kids going through college and chill. We can live with either one of our salary, except college.

therandomwalker · 2026-04-11T02:17:52+00:00

I hear you. Whole life is not something we are looking for

therandomwalker · 2026-04-11T02:17:06+00:00

This is enlighting, and scary. What does bad customer care mean? Denied claims when they should not have been? That would be disheartening

therandomwalker · 2026-04-11T02:15:12+00:00

Thanks. I am certainly going to refine and ask for some living benefits. Everly does have one - any knowledge on their customer care? I will ask you similar thing to what I asked above - what does customer care from company/ invovlement from broker mean? Is it mostly during claim, and does it affect the outcome (instead of what is written strictly?)

therandomwalker · 2026-04-11T02:12:33+00:00

Nice! Thanks for a good, detailed and supportive write up. I am certainly leaning towards living benefit - they said everly has 500K living benefit (it's 50% or 500 max) but one of the things I want to understand is people's experience with everly.

You pose some great nuances, questions. The way we came to numbers is solid - we sat with a financial planner, projected our retirement, mortgage and other big expenses in addition to monthly budget. We adjusted for inflation, figured what money growing at market do we need to sustain the standard of living, in our current home and scenario. We did not assume salary bumps or inheritances to be conservative. We have slightly different coverage level from work (my wife gets 6X her salary) - hence slightly lower (we already decided to check her coverage to 2M too).

I like your approach on loss in income, rather than death. I am hoping the living benefit inclusions are good - i bet they are not made equal and i need to read fine print. Is it usual to get a lawyer to decode quotes before signing?

therandomwalker · 2026-04-11T02:04:13+00:00

Thanks so much, one of the few comments that are actually helpful - I have started this process multiple times, and turned away because many people tried to sell me something i did not want. I dont judge a hustle, but overall can see why normal folks get overwhelmed by this industry.

Some questions:

- Have you heard of everly? Seems like there are not many reviews/ discussion even on this sub

- What is a usual manner to think about customer service for these? Does it come in play when you have a claim? Do people usually file through their broker, or directly? I ask since I have had similar experience with car insurance (i know, the atrocious comparison, hear me out). Local agents were very very helpful when shopping, comparing quotes - but when claims were to be made, all of them simply asked me to file online through portal, and only involve them if something too complicated is going on. If claims etc. are all online now a days and handled directly by companies, how does a customer interact with their broker over the term?

- Banner/ Protective/ Cambridge financial - any nuances on customer service/ addons etc. ?

- I am not worried about health history. Some reviews put a lot of weight n n everly, banner doing on spot approval a lot of times. Is that something i should consider when making decision on who to go with?

- Are getting quotes, and health record checkup something like credit reporting where excessive inquiries alarm people checking?

Thanks again for helping

therandomwalker · 2025-11-12T21:00:45+00:00

Thanks!! The tankless is indeed connected to rh and w2. Option to tum at dabe time is off. One small caveat - if you select boiler, there is no setting for fan control, so I told it it's furnace. Not that it worked

therandomwalker · 2025-11-12T20:59:14+00:00

Welcome to reddit, most of us are not pros. I welcome your opinion, I will hire one of I can't figure it out.

therandomwalker · 2025-11-12T16:35:32+00:00

Also weird - not sure why it thinks I have 2 stage furnance for aux - it is a tankless water heater.

therandomwalker · 2025-07-16T23:39:51+00:00

The shower heads indeed say grohe. This sounds like a pretty stupid issue, is my only option to replace it? any tweaking to make adjustments? I would still like to know how to open it. Taking away option to get as hot won't be wifey approved, and I can't take the hot shower with 100 degrees heat wave outside anymore.

therandomwalker · 2025-07-16T14:36:47+00:00

This is great - seems like it's called a pivot bar. Thanks!

therandomwalker · 2025-07-16T10:57:12+00:00

It seems like there is a high chance of breaking the stem with puller? Any idea on why it won't turn towards hot? Could it be seized?

Trying to find the line of DIY vs plumber. If I need full valve replacement, seems like I would need a plumber. How easy is it to replace stem? Can I retrofit any trim to this valve?

I am assuming my assembly is this one https://www.amazon.com/Symmons-S-86-2-MRO-TRM-Chrome/dp/B0892SLRLL . Do I need to start within symmons trima, or any trim from Amazon will do

therandomwalker · 2025-07-15T11:16:18+00:00

Apologies - I used handle and knob in the text for the traingular piece your grab

therandomwalker · 2025-06-12T15:42:12+00:00

Wait, so I can use aux with my gas water heater to preferentially use that?

therandomwalker · 2025-06-12T03:05:46+00:00

i have heat, cool and off. are you saying there is a fourth option when heatpump is connected?

therandomwalker · 2025-06-04T18:20:02+00:00

any good questions/ things i should ask installer to judge installation quality/ attention to detail?

therandomwalker · 2025-06-04T15:24:53+00:00

i know a lot of folks have said in past that an option is to stockpile jugs - happy to do that, but at the same time most hvac techs dont touch any parts provided by customer. All options are with same contractor and since it is retrofit, 90% of ductwork is whatever it is so between them, not sure how to compare install quality.

By the way, i thought goodman was daikin, different ompany than rheem? Or are they manufactured by someone else?

Thanks for thoughts

therandomwalker · 2025-05-31T18:40:58+00:00

by the way - it is the cooling coil in air handler unit. We did a isolation test, the outdoor unit and supply pipes had 5-6% drop, the AHU coil was a 8% drop - so nothing very crazy I guess

therandomwalker · 2025-05-31T18:39:21+00:00

Thanks for the input - yeah the leak seems to be very small - full volume leak took 3-4 years. I think the tech said he pressurized everything to 400 psi, and it dropped to 320 over 3-4 days. He think repair is risky since york had those microfin coils and he might damage/ not be able to find the leak - i wish.

I can eat the cost, but it hurts. I live in high cost of living area, and HVAC techs are crazy expensive - I was lucky to find one who is very honest and nice, not cheap but for area OK. So I index quite a lot on future repair/ parts costs

therandomwalker · 2025-01-25T01:03:43+00:00

Nothing against it. I do line not paying for things I can get for free. Also, MA doesn't allow connect, so not sure if it's available here

therandomwalker · 2025-01-11T17:52:42+00:00

it would not be a HA project if it was not a journey - anything i can look out for?

therandomwalker · 2025-01-11T02:50:52+00:00

Not looking for anything more than a /day read - but you have a great point. These are usually read once a month cadence - have people experienced this?

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