Have 2 kids now and close to late 30s. I am diabetic but otherwise healthy. Looking for life insurance policies. I don't know where to start. What should be coverage and monthly premium i need to target. I don't trust agents as they will try to get me into something i don't understand and may get locked up. Any good resources online or companies that are recognized for providing coverage. What type of policies you guys have.

like
Posting as :
works at
You are currently posting as works at

Would also like to know some good insurance options

I took out a term life insurance, non refundable. 30 years (I was 34 at the time). Payout is $2M. $110/ mo. This is on top of the firm policy (another $2M). I have my personal policy with Lincoln financial

I have this same coverage...I got it through healthIQ

Don't have any resources for you but definitely go term life. Most everything else is more a high priced investment product than insurance. It is usually my test of agents. If I ask for term life and they try to sell me something else, I am out of there.

Term life is pretty easy to price online, lots of comparison sites.

My two cents:
- don’t overthink
- take 30 mins to shop term life insurance policies
- sign up ASAP; like 10 years ago

I used policygenius to do all the research for me and I saved a lot of money by switching my policy from State Farm to Pac Life

To answer your other questions, I have $2M, 30 year term and I pay $115 a month. My wife’s policy is $1M and it costs $45 a month. We both qualified for the healthiest category

Idk about Deloitte but EY has group life that you can buy into. Might be worth checking what Deloitte offers as some policies will come with you if you leave the firm. Might be a way to avoid physicals/health questions? I am also diabetic (type 1) but luckily my parents got me a small policy when I was a child undiagnosed.

I don’t want to be a downer but the group life amounts offered generally are not enough if you have kids

There’s no real right number, it just depends on what you want to provide for you family if you unexpectedly passed.

I have $4M total term life coverage. I’m 34 with 3 kids and we are a single income family. This amount would pay off our current home, and then be income replacement while the kids are school aged.

So I would start with answering what you want that money to do, and then go from there.

Related Posts

Okay, so I have pretty bad cystic acne, clogged pores and enlarged pores. I’ve been using curology and a mild dermatologist recommended soap. I have seen some improvement, however I was curious if anyone was struggling with it and has tried the “Flo Vitamin gummy’s “ on top of my fertility struggle this really has kinda killed my confidence. I know it’s not specifically fertility related but Was hoping to get some feedback on similar situations

like

Hi all,

I recently joined one of the big 4' and within first week I got diagnosed with health condition (migraine) and another one(personal to not be disclosed here)
Now I am unable to work due to this health condition and even if I take leaves, i am unsure how long till this gets better as day by day it seems to get worse
I feel like resigning and focusing on recovery but unsure of the repercussions. Can you guys help me with what I should do

like

M927H will be on for the next 50 minutes until Nook closes. Have some extra recipes in front of cranny but mostly just opening for people to come visit. If you have an extra archelon skull...I’ll pay

like

Husband and I have been trying to conceive for a little over a year with no luck. All of our testing came back normal except his morphology was at 6%. RE is recommending IUI as next step with letrozole (and also looking like progesterone and ovulation trigger shot from the paperwork) I’m scared of the drugs and potential effect on my hormones, body, and future cycles. Can anyone please share their experience with these drugs and any side effects? Should we maybe start with natural IUI first?

like

Some interesting (and concerning) links between covid and myocarditis

like

Gym before dinner or dinner before gym. That is a question.

like

So really the only exercise I can tolerate is boxing, and those exercises around it. Any thoughts on replicating what I can find at my local boxing gym while on the road?

Anyone have gallstones or cholestasis during pregnancy? I was diagnosed this weekend at 28 weeks. Going through a gallbladder attack as I type this 😢

like

Have you ever taken a career slow down? I am feeling burnt out from COVID and the incremental responsibilities thrown my way over the last 5+ years. I feel like my health has deteriorated. I like my company, but I want to do less. I don’t need to be a HR Director, CHRO, etc. With a career slowdown, I am prepared for a lower compensation and would want decent benefits. Any lessons learned or success stories about career slowdowns?

likehelpful

Hi All,
Just want your suggestion on this to help me decide.
I've been working in QA team for big data project and recently I've got offers from Startup and service based MNC as data engineer for the role of Data Engineer.
I've not worked on the actual development of ETL batches till now but I want to learn and grow gradually.

What kind of organisation would be best for me considering my mental health as well because I take too much stress ?

Thanks 🙏

like

LADIES: SWEAT, Fitbod or else for HIIT workouts & committing to a routine?

like

What does the salary for a home health visiting nurse in the south look like?

like

Weighing whether another year of IB experience would be helpful, or would just make me one year older at the same starting point in PE.
I’m 1.5 years out of college as an analyst at a middle market bank within the healthcare M&A group. Getting worked a lot but starting to operate as an associate on deals. Debating accepting an offer for a newer, lower-MM healthcare and growth focused PE firm. I know I want to go to PE at some point, but what are some thoughts on when you should go?

like

We recently started the fertilization process with frozen eggs. I had 11 frozen and all survived the thaw but only 3 turned into embryos. We are waiting to see how many get to the blast state. Does any one know where I can find statistics on what the typical attrition / success rates are?

like

What are the pros and cons of working for Progressive Insurance as a PIP examiner?

like

I’ve been weightlifting at my boyfriend’s home gym, but when I’m home I’m a bit scared about using sizable weight without a spot. What have you guys been doing regarding solo workouts? I go to a local gym, but I don’t know anyone there

like

Good afternoon!
Calling all LPNs!
Could anyone share their pay rate, current position, experience level and basic location?
Trying to get a feel for how much we are generally getting.

Thanks in Advance.

likehelpful

Hi, how much should I ask for ontario
Yoe : 10 years
Desig: test automation lead
Any suggestions or pointers to basic expenses(insurance, tax, accomodation) are welcome.

like

More Posts

Kpi reply krta b h is group me
Techm need NPS account from kotak only
How to open a new one.

How much salary provides by Techm? if they provides basis on my previous salary or directly as per the band and expectations?
my yoe - 10.8
CTC - 16.33 with VP and 13.5 is fixed
Getting offer from other company - 24 Fixed

Expecting from Techm - 28 Fixed

like

Anyone play QB in high school/college or just a good QB? My Rec flag football team needs a new QB. We have great players, just pretty average there. DM me if you’re interested.

likefunny

Hi fishes can some refer me for fraud investigation or compliance

The Deloitte Crew

Post Photo
likefunny

Any new joiners attending first impression call tomorrow.

like

Hi Fishes, I received a mail with subject line 'Accenture Recruitment Status - You've made it to our final interview at Accenture!'. What does it mean? As I Have cleared technical aptitude test and technical Interview can I assume this will be an HR round?

like

Does studying for top consulting firms’ case interviews help in any way for interviews with other firms (e.g., FAANG case interviews) ?

like

Invited to interview for a PM role at Lending Tree. My first round is 30 mins with the hiring manager ( Director of Product) . Should I be expecting only behavioral questions/experience related questions given the time frame of the interview?

like

What is the range of annual stock refresher for Software Engineer II(62 level) at Microsoft, Bangalore?

likeuplifting

Hi! Does anyone know anything about the company Rently? Remote? Great environment? I can’t find anything on here, Indeed, or Glassdoor. Thank you!

like

Hello, I have near 5 years experience in ROR. I have 2 offer one is with Nagarro 22 Lac (WFO) And Altimetrik 20 Lac (WFH). Which one should I join for my future perspective?Nagarro Altimetrik Corp.

like

Everyone I needed final approvals from to get these expert retention agreements signed off has decided to ignore me on literally the day our disclosures are due.

like

Any recs for recruiters in the DC area that are good for lit/arb?

like

What do you guys think the salary range should be for a 5th year lit associate at a boutique shop in NYC? Sophisticated clients, mostly international work, well known in their practice areas. Obviously it’s not going to be market, but still curious as to thoughts on rough ballpark. High 1s, low 2s? +/- ??

likesmart

I often hear lawyers threatening to “call the judge” during a deposition, generally when there is a dispute among counsel over a question that has been asked. Has anyone ever actually done this? What exactly is the judge supposed to do, resolve the dispute over the phone?

likefunny

I have two job offers, one as a waiter and one as a bartender. Which one would you take? I’m thinking bartender for the tips.

like

I’m thinking about accepting a job at Gulfstream in Savannah, GA. Does anyone know the pay range of Gulfstream? The posting is for a Engineer Technical Specialist 1

like

Pwc India vs Deloitte India

Please let me know your experiences if you are working with either of them.

Culture, wlb, yearly hike, learning curve anything that comes to your mind.

Deloitte India PwC India

like

New to Fishbowl?

Download the Fishbowl app to
unlock all discussions on Fishbowl.
That was just a preview…
Sign Up to see all discussions
  • Discover what it’s like to work at companies from real professionals
  • Get candid advice from people in your field in a safe space
  • Chat and network with other professionals in your field
Sign up in seconds to unlock all discussions on Fishbowl.

Already a user?
Login here

Share

Embed this post

Copy and paste embed code on your site

Preview

Download the
Fishbowl app

See what’s happening in your industry
from the palm of your hand.

A phone with Fishbowl app

Scan your QR code to download
Fishbowl app on your mobile

Download app

Sign up for free to view this conversation on Fishbowl

By continuing you agree to Terms of Use and Privacy Policy

Already have an account? Log in

Sign up for free to continue using Fishbowl

By continuing you agree to Terms of Use(New) and Privacy Policy(New)
Messaging rates may apply

Already have an account? Log in

For account settings, visit Fishbowl on Desktop Browser or

General

Legal