Leaderboard

Avoid gofundme by getting term protection. Sad that people pay $100/month for car insurance but not for their life. For all people with kids, dependents and liabilities, get a term insurance. Things to look for, as cheapest is not always the best, carrier rating/comdex score max. living benefits good conversion option to perm My recommendations in this order (based on low cost and features/benefits) AIG qol flex term North American term NLG/LSW You dont own the insurance benefit from your full time job, no living benefits it is not sufficient/enough coverage no more coverage when you quit, retired-early, start a business, go contracting etc. Insurance will be very costly (even not eligible in some cases) if they develop medical issues. Get it when you dont need it because you will not be able to when you need it. Sample rates: assumed NJ, 37 male, non-tobacco, 1M coverage for 30yrs term, Preferred Plus Non-Tobacco- $75/month Preferred Non-Tobacco- $90/month Standard Plus Non-Tobacco- $116/month for 35yrs term, Preferred Plus Non-Tobacco- $94/month Preferred Non-Tobacco- $112/month Standard Plus Non-Tobacco- $147/month