Term life ins - No medical exam

[Happy Panther]

I need to get some term life. I keep reading about how you can get term life in minutes with no medical exam. Anyone done this online?

Not that I am avoiding a physical or anything. i need LTD too which i know has a doctor visit.

[Happy Panther]

I found a site that does this and checked out the rates. $172 for $400k 30 year term...this is what they would charge a 40 year old obese smoker. If not more...

[pstall]

Do you need that much coverage?

[Happy Panther]

New House + Stay at Home wife + new decent paying Job + 2 young boys

If anything I think I need much more than that

[pstall]

ok

[KBRed]

I've got a buddy in the industry if you want me to get him to check rates, just PM me. He does a lot of securities, but can do LI, DI, and LTC.

[Happy Panther]

ok

you disagree?

[KBRed]

I've definetly heard of the radio ads for Life Insurance, but never really looked into them.

[Happy Panther]

I've got a buddy in the industry if you want me to get him to check rates, just PM me. He does a lot of securities, but can do LI, DI, and LTC.

Cool. i would love a rate comparison for LTD when i am ready.

I will pm you

[Happy Panther]

I've definetly heard of the radio ads for Life Insurance, but never really looked into them.

I just did a sample run through intelliquote. Seemed easy enough

[pstall]

you disagree?

no, you know what you need.

[Happy Panther]

Not really, but it has to be more than 400k

[KBRed]

New House + Stay at Home wife + new decent paying Job + 2 young boys

If anything I think I need much more than that

I was an agent for one year until I realized I wanted to do something different and from what I learned:

You want to cover your debt - (loans, mortgage): $200,000

Your income for so many years for your wife: $40,000 a year (5-10 years)

Boys college if you want them to go: $120,000

Obviously, these numbers will be different, but just to give you an idea. I'm sure you already have thought of these things.

[CosmoGirl]

How much would a single person need, if any?