Who has life insurance?

[chardog]

My coverage includes dental and vision.
I am not working so I have to pick up all the expenses of health insurance. Even the plans available to me in NY with the higher deductibles only pick up 50% or 80% of the cost concerning surgeries and hospital stays. I want 100% coverage for those events.
I am well aware of how HSA's work and what monies can be removed and for what.

screw york has some bad plans, wow. no cap, no deal, I mean what's the point if you gotta pick up 7-8K first, that pays for most stuff as it is, insurance that covers after the fact should cost close to zero because it's providing close to zero.........

 

[boingyman]

well.......... that is a screwy plan...... that is also expensive.....

Price wise it's fair for Northern California and the coverage it provides, although all plans whether it's a HDHP or not will depend on what's available through your employer and ones situation. When I worked for various contracting companies their plans were horrible and expensive. Luckily I was under my wife's plan when she was with the state. State employee medical is very good. On the other hand if I ever work at Kaiser their healthcare is pretty much free or near free. For us what we do now makes the most sense, although I recommend everyone explore HDHP options first and learn about the merits of an HSA. Wish I did when I was in my 20s.

 

[HeffDoesWant]

I have life insurance cause I have kids and a mortgage. If you don't have dependants, what risk are you covering??



I also have income protection insurance as my ability to earn income is my biggest asset.

I have TPD Total and Permanent Disability insurance, to cover me if I get fucked up but don't die. I don't have as much of this as income protection would help cover my living costs.


I also have an Insurance Bond, but that's really just an investment structure.

 

[HeffDoesWant]

All Australians have to through our superannuation. Americans really do have such a poor standard of living

Not all.

It was added to most policies but you can opt out, which can be a good idea if you don't have anyone depending on you. Of course, no one size fits all.

 

[SSgt Dickweed]

Anyone here sell insurance? What's the market like in your area? Inflation must be shitting all over FA's right now.

 

[sleepwalk]

I've had a whole life policy since I finished college. I have one through work as well.

 

[fingercuffs]

Husband recently went from full time to freelancing so I guess the life insurance went away and we need to see about that again. There's literally no jobs for me in the town I live so I would be emotionally as well as financially screwed if anything (Bono forbid) were to happen to him.

 

[Wrath of Foamy]

I'm shortly getting a mortgage, and my broker tried to pen it to me.

Both life insurance and critical care with Aviva. One was £80 and the other £40, per month.

It seems smart, but my budget is very tight as it is and I don't want to put on any extra expenditures, at least until I'm settled in my new home.

 

[lsa]

I'm shortly getting a mortgage, and my broker tried to pen it to me.

Both life insurance and critical care with Aviva. One was £80 and the other £40, per month.

It seems smart, but my budget is very tight as it is and I don't want to put on any extra expenditures, at least until I'm settled in my new home.

screw that. If you die you wont see any money anyway.. You be dead

 

[Wrath of Foamy]

screw that. If you die you wont see any money anyway.. You be dead

Critical care may be important. If I have to take extended leave from my work due to serious illness, I'll be able to keep things going.

Life Insurance? If I have a kid, maybe...

 

[milliniar]

I have work and separate policy.