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I’m paying nearly $20 a month for life insurance (150k). It’s a 30 year term policy and it has a return of premium policy, which means I get what I paid back at the end of 30 years and can reinvest it if I want (for about $14,000 if I reach 55)…I just have my mom and sisters, but I want to make sure they’re okay when I die cause that’s pretty much the only thing that’s guaranteed in life, ha ha…am I paying too much or was this a good deal?
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1 Response to Good deal on my life insurance policy? I’m 25. . . . ?
Joe L
March 12th, 2010 at 1:56 pm
As a life brokerage manager- I have run quotes on you with about 20 different companies, and that rate is one of the best. I would suggest sticking with it. If you are looking to get a policy more long term you can look into a Universal Life policy. This means the premium will remain the same until you die, saving you money further down the road in life. The premium is about double for this permanent policy, but the benefit never expires. Good luck.
joseph@carylevinson.com