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Seconded. So damn hard.
I love financial planners & life insurance sales people because they are the only people who annoy you more than we do 😃
as someone who is not very proactive about insurance, I happily signed up for long-term disability supplemental insurance and life insurance. it took a few months, but it was probably the only cold call that's ever worked on me.
Term life. Ameritas. Needed a sufficient policy for my wife and future children.
Paying like $1200/year for $5mil. Term ends near retirement age when my investments will be sufficient to cover expenses. Low rate cause I locked in young.
I've seen death and disability set back generations because of the financial and physical toll it takes on families. Not doing that to mine.