Babies: 0 - 3 Months

Anyone get life insurance on their own/not thru employer?

Go any tips or advice? DH and I both work for small companies that don't offer life insurance. We need to get some, but I don't really know anything about it.
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Re: Anyone get life insurance on their own/not thru employer?

  • State Farm has great policies - we have 20-year term policies. You have to have a physical, but if you're both in good health, you can get great rates on large amounts.
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  • We went through colonial penn. I know metlife has some good policies too.?
  • I know it varies, but what is the approx. cost?
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  • Check out www.insure.com - they will compare lots of different policies for you. The only complaint I have about them is that they send a LOT of mail to let you know the status of your policy (almost TOO much information). But if you want to compare, it's a good place to start. (But be forewarned - once they get your e-mail/phone #, they are relentless about following up). The up side - we got a great deal (our employer's life insurance policy was not enough)
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  • We have state farm and for non smoker it was about 50 a month for both of us for 250000 for each. So a total of 500,000 for 50 - a 30 year term HTH
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  • If you want to email me your info and what y'all are interested in I can do some whole and term quotes for you. I am in Athens and a licensed insurance agent who works for a small firm. heather@costainc.com
  • We went thru accuquote - they search out the best price for you from a variety of companies.  My sister used it and told us about it so we tried it.  I also just called places to ask for quotes and accuquote beat the ones I could find. 

    20yr term, good health, 1mil for $400 a year, i think it ended up being with ING

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