Cynthetiq

I was just thinking about this subject too.

IMHO the policy at work is the best bang for the buck since I'm able to get a good rate and cover all the amounts that I'm looking to cover.

I also think that you need to determine what it is you want to cover for the family. Are you trying to give them a winning lotto ticket to the point where you are more valuable to them dead than alive? Are you trying to cover all debts so that the mortgage, credit cards, loans, are all covered?

My scenario is that if one of us dies the survivor will invariably have to sell the house within one to two years. So I want to get enough coverage to pay off the mortgage so that the survivor doesn't have to worry about that.

For yourself, you may want to make sure that there's enough for college educations, etc. for the kids on top of that.

since I didn't think about this last November when open elections happened, I'll have to wait or by a short term policy.

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