Question

Term Life Insurance Questions.  Who do you use for your Term Life Insurance?Term Life Insurance Questions. Who do you use for your Term Life Insurance? How long is your term? How much is your monthly payment? I am looking for coverage and I’m not having much luck. Any advise and direction would be very appreciated. Thank you!  

Answer 1

Your price will be based on your age and how you answer questions on the application. I pay around $35/month for mine.  

Comments

@vitia yes. I did a couple of quotes for 20 year $500, 000. I’m just not crazy about paying $35-$45/month  what company did you go through?  

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@rhetorical33 state farm. What state are you in?  

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@rhetorical33 that’s a decent range for the amount and length of coverage.  

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@vitia ok. Thank you. I was just thinking I could get it cheaper.  

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@vitia Kentucky.  

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I agree with Alyssa. That's a good amount of coverage for the price. You could even go a bit lower in coverage and add on later if you want. It locks in a lower rate the earlier you start the policy though

Answer 2

We have really good coverage through Primerica. We pay about $73 per month for over $270, 000 coverage each for both my husband and I and have a 35 year term

Comments

@schiff thank you.  

Answer 3

Went through Selectquote. com they work with different insurance companies to find the most competitive quote. Paying $56 per month for a 20 year $400K policy. I have health issues and am 38 (thus the higher rate).  

Comments

@dedication thank you!  

Answer 4

I pay $18 month, 30 year term $250, 000

Answer 5

Dave Ramsey recommends Zander.  

Comments

@cartesian294 thank you!  

Answer 6

Zander, I have $448, 000 policy for $80 a month. You don"t need that much. I am a single mom amd don't want my kids to struggle.  

Answer 7

We are switching to Zander, I am currently 29 and it was only $300 a year for $1, 000, 000. Term 20 years

Answer 8

We used select quote. My husband has a 30 yr term policy, 750k for $48 mth. He smoked over ten years ago, socially, so he gets dinged as a smoker. If you have ever smoked they forever mark you as a smoker.  

Answer 9

Primerica 300k for my husband & I we pay 100. 18 even. 35 year term & we can renew for an additional 5 years after that. For higher premium if we need it. & it includes my 2 children for 20k each.  

Answer 10

Northwestern Mutual, $66/month total for both my husband and I. We have a $1mil policy on him, and $500k policy on me. Term is until we are 80 years old.  

Answer 11

I did mine for Zander and was quoted to pay $10. 66 a month for 30 years for 50, 000. 00 . 29YO no children yet. I was shopping around.