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Forum
-> Household Management
-> Finances
Do you have life insurance
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| Yes are you crazy??? |
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77% |
[ 113 ] |
| No can't afford |
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15% |
[ 22 ] |
| No don't feel it is necessary |
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7% |
[ 11 ] |
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| Total Votes : 146 |
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amother
Beige
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 Thu, Apr 08 2021, 9:11 am
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The constant campaigns to fund families where a parent has tragically passed away and left behind x amount of kids is proof that too many think life insurance is not for them. I don't know if people see it as a luxury expense or tempting fate or what. But it's really important should the worst happen. DH and I both have life insurance. He is the primary earner - I would not be able to support myself and my kids - let alone maintain my current lifestyle - without his income. And if something happened to me there would be many additional expenses in terms of childcare and homecare so I'm insured too, though to a lesser degree.
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amother
Coffee
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Thu, Apr 08 2021, 9:24 am
| amother [ Beige ] wrote: | | The constant campaigns to fund families where a parent has tragically passed away and left behind x amount of kids is proof that too many think life insurance is not for them. I don't know if people see it as a luxury expense or tempting fate or what. But it's really important should the worst happen. DH and I both have life insurance. He is the primary earner - I would not be able to support myself and my kids - let alone maintain my current lifestyle - without his income. And if something happened to me there would be many additional expenses in terms of childcare and homecare so I'm insured too, though to a lesser degree. |
This is true. But what about people like me who are uninsurable? Should we not have families? Especially since I'm at a higher risk of dying than other people. This is actually something I think about sometimes. 
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amother
Mistyrose
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Thu, Apr 08 2021, 9:27 am
| amother [ Coffee ] wrote: | | This is true. But what about people like me who are uninsurable? Should we not have families? Especially since I'm at a higher risk of dying than other people. This is actually something I think about sometimes. |
We are not really either insurable. DH just got quoted $300 a month for both of us for $250K coverage and this is out of our budget. This thread is motivating me to sign up for Areivim.
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amother
Coral
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Thu, Apr 08 2021, 9:37 am
| amother [ Coffee ] wrote: | | This is true. But what about people like me who are uninsurable? Should we not have families? Especially since I'm at a higher risk of dying than other people. This is actually something I think about sometimes. |
Do your best to make good investments, speak with a financial planner to learn how to save and invest prudently, put aside income into a retirement plan and make sure you are taking advantage of all tax benefits, etc.
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