{ "media_type": "text", "post_content": "Thoughts on taking a 30 year life insurance policy from bestow? Anyone else that did this? Tia!", "post_id": "604fd09fd8b8470021d1db7a", "reply_count": 28, "vote_count": 3, "bowl_id": "59064a3cb12379001006592c", "bowl_name": "Personal Investment Chatter" }

Thoughts on taking a 30 year life insurance policy from bestow? Anyone else that did this? Tia!

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Rate does not sound bad for your Age/coverage if it Is a guaranteed rate and does not go up over time.

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Thanks Dir 1! What do you typically suggest for the term policy though? I hear taking 10 years at a time is common

30 years 2 million for $120

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That’s great! Where did you get it?

Probably good. I got 30 years 650k for 38

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Life insurance = greatest scam

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Amen, MS1. Insurance is a hedge against a bad roll of the dice in life. It’s not an investment. Just like car insurance is not an investment.

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Don’t you gave an add on option for life insurance through work? Is it worth getting a separate policy?

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Exactly! While I don’t like betting against my life, I’m the bread winner for parents as they haven’t been able to earn much throughout their life. Looking out for worse scenarios

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My husband and I are freelance and just did 1x 30yr and 1x convertible 20yr $500k each with the company we have our homeowners insurance with. Paying on average $45/mo per policy per person, premium rate. I hear those of you on the waste. We view it as income replacement for our most productive years.

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For term insurance I collected info from different companies. Red cells are the lowest

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How old are you? Are you in terrible shape/health? I got a 30 yr $1M policy for $33/month at 30 yrs old.

Age?

33

M/F? If F then this is probably high. I’m 33 M and got $58/mo for $1M 30 yr

F here. Ha! Didn’t know it mattered

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