This is the way you want to do...

1. I assume you are at least 40 years old.

2. I assume you are in good health.

3. In general, your employee provided group insurance is at least 2 times more expensive than a term insurance. Don't ask me why because that leads to a long discussion.

4. What you want to do:

a. determine your need of coverage ( what you need to earn towards major expenses, say you have 20 years to retire, and you are making 100k, then you need 2M coverage (actually less than that, because death benefits are not taxable.., so say 1.5M..). 

b. determine the term (say 20 years).

1.5M 20 year term at starting age of 40 should be about 1000 dollars a year.

所有跟帖： 

• and the premium never increases. -borisg- ♂ (0 bytes) () 11/08/2023 postreply 10:14:36

• 固定的好，单位的过年几年长的厉害。另外有必要买30年吗？broker建议我这种家庭保最长时间。 -tidytiger- ♀ (0 bytes) () 11/08/2023 postreply 10:28:26

• 你都被broker洗脑了，但是又不告诉我们你们家特殊情况，所以问了也是白问。 -柠檬椰子汁- ♂ (0 bytes) () 11/08/2023 postreply 10:52:19

• 真的没有必要追问， -tidytiger- ♀ (156 bytes) () 11/08/2023 postreply 11:14:03

• 都能读硕士了，还能差到哪里去呢。 -DD2020- ♀ (0 bytes) () 11/08/2023 postreply 11:21:28

• 就是啊，估计自己心理有阴影，孩子能自己照顾自己。 -柠檬椰子汁- ♂ (0 bytes) () 11/08/2023 postreply 11:22:16

• 可见你们真的不在特殊家庭圈力， -tidytiger- ♀ (114 bytes) () 11/08/2023 postreply 11:33:52

• 别人正常人打低级工的，都要父母留遗产才能活吗？ -柠檬椰子汁- ♂ (374 bytes) () 11/08/2023 postreply 11:46:52

• 你为啥有特殊需要的小孩，还用高智商能力强的孩子来要求自己孩子呢？就算是能力强的孩子，也不一定有高薪水金领工作 -DD2020- ♀ (170 bytes) () 11/08/2023 postreply 12:38:43

• 劳模开心，还能生娃！一到周末就扛着音响去公园烧烤 -柠檬椰子汁- ♂ (0 bytes) () 11/08/2023 postreply 12:54:24

• 后悔没找个西裔美女了吧？ -DD2020- ♀ (161 bytes) () 11/08/2023 postreply 13:08:58

• 不后悔... -柠檬椰子汁- ♂ (231 bytes) () 11/08/2023 postreply 14:06:32

• 哈哈。 -DD2020- ♀ (30 bytes) () 11/08/2023 postreply 16:58:57

• 谢谢，非常有帮助，保险额度要工资的20倍吗？ -tidytiger- ♀ (0 bytes) () 11/08/2023 postreply 10:24:19

• depends on your need.. -borisg- ♂ (89 bytes) () 11/08/2023 postreply 10:26:13

• 有这么便宜吗？我的贵很多 -tang07059- ♂ (0 bytes) () 11/08/2023 postreply 10:29:24

• just find a premium calculator: -borisg- ♂ (65 bytes) () 11/08/2023 postreply 11:40:19