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The Water Cooler
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Life insurance
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<blockquote data-quote="FullAuto" data-source="post: 1631326" data-attributes="member: 5110"><p>I'm looking at 30x income because it seems to be the max most companies will allow on <40 year olds. At my age, the difference in 20x coverage to 30x coverage with the additional all in term is only about $15/month. I also don't make a bunch on money so 30x my income may only be 10x -15x other people here. I'm looking at UL instead of WL because I'm more concerned with death benefit over cash value and taking a loan out against it later. I'm also hoping I don't die during the term so I want to know there will be something available later. I'd like to just establish the rates now while I'm young. And if I set it up correctly, hopefully I won't have to pay on it after mid-50s.</p></blockquote><p></p>
[QUOTE="FullAuto, post: 1631326, member: 5110"] I'm looking at 30x income because it seems to be the max most companies will allow on <40 year olds. At my age, the difference in 20x coverage to 30x coverage with the additional all in term is only about $15/month. I also don't make a bunch on money so 30x my income may only be 10x -15x other people here. I'm looking at UL instead of WL because I'm more concerned with death benefit over cash value and taking a loan out against it later. I'm also hoping I don't die during the term so I want to know there will be something available later. I'd like to just establish the rates now while I'm young. And if I set it up correctly, hopefully I won't have to pay on it after mid-50s. [/QUOTE]
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