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Pls share your Real Estate strategy here
Rising Star
Any books or articles on macro economics?
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Just get a term policy once you have kids. And renew it until your kids are old enough to fend for themselves, i.e. they're done with college.
At your age, just get a cheap term policy to lock in insurability. Meaning get the cheapest 20 year or something that requires a health check. Then in the next 20 years even if you get cancer, before the end of the 20 year term you can convert it into a "traditional" whole life policy.
Lmk if you need a referral. My agent has 20 yrs experience and can sell policies from most/all insurance companies.
Deloitte probably has a policy for employees, just get that if you’re worried.
You don’t need to get insurance if you have nothing that needs to be insured, as in no kids to provide for, no co-sign on debt, etc.
Do a test - you can get life insurance quotes on the internet. Price out getting a policy now, versus for a 31 year old (you in five years). How big is the price difference? Is it worth the price difference to get it now, versus in the future when you understand what you need? By the way, you do not need a million dollar policy or some such nonsense. No need to pay for that unless you’re actually making that kind of money. Life insurance is a hedge for your dependents in case you get a bad roll of the dice. Life insurance *is not* a life-changing lottery payout for your relatives in the event of your death.
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If I were you, I wouldn’t bother . We only got ours once we had children to support if we died.