How many of you don't have life insurance? - GoFuckYourself.com

will76 · 05-19-2010, 09:25 PM

How many people here don't have life insurance? (in US)

If not, why?

If you do have it how much do you have?

baddog · 05-19-2010, 09:37 PM

I have no need for it. I prefer to be missed.

will76 · 05-19-2010, 09:45 PM

Quote:

Originally Posted by baddog

I have no need for it. I prefer to be missed.

If no one depends on you financially and you don't want to leave your kids/ grand kids an nice inheritance then I guess you don't need it.

If you will be leaving them a nice inheritance then you could use life insurance to pay the estate taxes so the govt wont get as much of what you leave behind as your heirs get.

If you have business partner(s) life insurance is good to use for buy/sell so your heirs don't become their new partners.

Lots of applications for using life insurance, very few people don't have at least 1 need for it.

baddog · 05-19-2010, 09:48 PM

Quote:

Originally Posted by will76

If no one depends on you financially and you don't want to leave your kids/ grand kids an nice inheritance then I guess you don't need it.

If you will be leaving them a nice inheritance then you could use life insurance to off set estate taxes.

If you have business partner(s) life insurance is good to use for buy/sell so your heirs don't become their new partners.

My kids are going to do quite well with what I leave them, no reason to give them more.

will76 · 05-19-2010, 09:49 PM

Quote:

Originally Posted by baddog

My kids are going to do quite well with what I leave them, no reason to give them more.

depending on the inheritance laws and what Obama does they might get a lot less than you realize.

Spudstr · 05-19-2010, 09:50 PM

term life, 1mil. probably about average.

tony286 · 05-19-2010, 09:53 PM

Once I finish my weight loss I will be getting some.Enough to pay off the house if I die

Jon Oso · 05-19-2010, 10:10 PM

I signed a 250k policy about a month ago just so I could get my car insurance to go down from 350 a month to 250.

TrainWreckContent · 05-19-2010, 10:14 PM

i was just thinking about this 2 days ago...was actually going to look into as i am not getting any younger lol

any suggestions from those who have it what to look for when buying insurance??

baddog · 05-19-2010, 10:14 PM

Quote:

Originally Posted by will76

depending on the inheritance laws and what Obama does they might get a lot less than you realize.

As long as they can pay to have me burned everything else is icing on the cake. And I plan on living at least two more years, Obama will be gone then.

CYF · 05-19-2010, 10:17 PM

I have a free 1k policy from my credit union. Other than that, no life insurance.

I don't have any kids, or debt, and I'm still relatively young.

will76 · 05-19-2010, 10:18 PM

Quote:

Originally Posted by baddog

As long as they can pay to have me burned everything else is icing on the cake. And I plan on living at least two more years, Obama will be gone then.

that is some optimistic thinking... the obama part. He could be around for 6+ more years.

You never know when an accident can happen.

Robbie · 05-19-2010, 10:19 PM

Two 1 million dollar term policies.

I recently cashed out a small 20K whole life policy

TrainWreckContent · 05-19-2010, 10:22 PM

Quote:

Originally Posted by CYF

I have a free 1k policy from my credit union. Other than that, no life insurance.

I don't have any kids, or debt, and I'm still relatively young.

sounds like your on the right track dont make the mistake of getting married and give 1/2 of what you have away j/k lol

Choker · 05-19-2010, 10:27 PM

2.5 mill my daughter gets it all, i'm worth more dead than alive lol
Shit costs me $1000 a month

tony286 · 05-19-2010, 10:27 PM

Quote:

Originally Posted by Robbie

Two 1 million dollar term policies.

I recently cashed out a small 20K whole life policy

So when claudia asks you have are you feeling she really means it. lol

will76 · 05-19-2010, 10:31 PM

Quote:

Originally Posted by riggo

i was just thinking about this 2 days ago...was actually going to look into as i am not getting any younger lol

any suggestions from those who have it what to look for when buying insurance??

there is a lot of things to consider. How much do you need and what type of insurance to get are the most important.

If you have people depending on your income you should factor in how much you make so they could still maintain their standard of living if you died. If you have kids you should factor in money for college, if you have debt you should factor all of that in so it could be paid off.

If you can afford it there are a lot of advantages to getting permanent life insurance (whole life or VUL) vs term. Term is simply that, for a term then its gone. Whole life is simple that, for your whole life. Whole life also has an investment component where some of your premium gets invested and grows a cash value. The cash value can be used later in life as part of your retirement and can be borrowed from at any time TAX FREE. Since whole life is insurance + cash value it costs more than term.

The most important thing with any type of insurance is understanding your insurability. Once you have life insurance, you got it. The only way you can lose it is to stop making payments, or finish the term if you chose that type. Younger people say all the time " I am young, why do i need it". Not only is a lot cheaper for you now because you are young and in good health, but why wait, you never know when you will lose your insurability. Chances are you will get married and have kids in the next 5- 10 years so why not lock it in now, get a head of the game. On the flip side you wait, and later discover you have an illness or you get into a bad car accident, and now its too late. You either can't get insurance or it will be a lot more expensive.

Term life is very cheap for most people. Depending on your age / medical condition you can get a 1M dollar policy for likely less than $100 a month. If you can afford it I would suggest going with permanent (whole life or VUL ) depending on how much you can afford. No excuse not to have life insurance especially if you have a family that depends on you.

Robbie · 05-19-2010, 10:33 PM

Quote:

Originally Posted by Choker

2.5 mill my daughter gets it all, i'm worth more dead than alive lol
Shit costs me $1000 a month

WTF? Term or whole? I pay $800 a year combined for two 1 mil policies. Damn.

EDIT: Mine are term by the way 20 year ones. You must have a 2.5 mil whole life policy

TrainWreckContent · 05-19-2010, 10:37 PM

Quote:

Originally Posted by will76

there is a lot of things to consider. How much do you need and what type of insurance to get are the most important.

If you have people depending on your income you should factor in how much you make so they could still maintain their standard of living if you died. If you have kids you should factor in money for college, if you have debt you should factor all of that in so it could be paid off.

If you can afford it there are a lot of advantages to getting permanent life insurance (whole life or VUL) vs term. Term is simply that, for a term then its gone. Whole life is simple that, for your whole life. Whole life also has an investment component where some of your premium gets invested and grows a cash value. The cash value can be used later in life as part of your retirement and can be borrowed from at any time TAX FREE. Since whole life is insurance + cash value it costs more than term.

The most important thing with any type of insurance is understanding your insurability. Once you have life insurance, you got it. The only way you can lose it is to stop making payments, or finish the term if you chose that type. Younger people say all the time " I am young, why do i need it". Not only is a lot cheaper for you now because you are young and in good health, but why wait, you never know when you will lose your insurability. Chances are you will get married and have kids in the next 5- 10 years so why not lock it in now, get a head of the game. On the flip side you wait, and later discover you have an illness or you get into a bad car accident, and now its too late. You either can't get insurance or it will be a lot more expensive.

Term life is very cheap for most people. Depending on your age / medical condition you can get a 1M dollar policy for likely less than $100 a month. If you can afford it I would suggest going with permanent (whole life or VUL ) depending on how much you can afford. No excuse not to have life insurance especially if you have a family that depends on you.

wow thats a lot to think about will definately look at all my options when i am ready to buy...thanks for the info!

will76 · 05-19-2010, 10:39 PM

Quote:

Originally Posted by Choker

2.5 mill my daughter gets it all, i'm worth more dead than alive lol
Shit costs me $1000 a month

1000 a month, whole life or VUL? I hope thats not term insurance unless its for 30 years and you are a smoker and in bad health.

If you dropping that kind of money on life insurance hit me up, I should be able to help you do better.

Quote:

Originally Posted by Robbie

WTF? Term or whole? I pay $800 a year combined for two 1 mil policies. Damn.

EDIT: Mine are term by the way 20 year ones. You must have a 2.5 mil whole life policy

It could be term if he has a 20 - 30 year term, he could have some riders, and the kicker is if he smokes + medical conditions.

will76 · 05-19-2010, 10:41 PM

Quote:

Originally Posted by riggo

wow thats a lot to think about will definately look at all my options when i am ready to buy...thanks for the info!

Feel free to hit me up if you have any questions. But to reply to your comments, you should be ready to buy as soon as you sit down and figure out how much you need and what type to get

(insurability)

Quote:

Originally Posted by Jon Oso

I signed a 250k policy about a month ago just so I could get my car insurance to go down from 350 a month to 250.

That is a use for life insurance I never thought about before, to get your car insurance cheaper, never heard of that one before. Who are you insured with (car insurance)? Was it through the same company and some type of package discount?

MikeSmoke · 05-19-2010, 10:43 PM

Will, hope you don't think I'm hijacking, because that's not my intention - this has nothing to do with regular life insurance policies, which I agree are a terrific idea. I have several. And it seems that Will can help you with them.

But if anyone is either 60+ with assets...or has parents who are 60+ with assets...and you are interested in some high-value life insurance for (virtually) free, hit me up and I can steer you in the right direction. I've already done it, and I have an extra $10 million of life insurance that cost me virtually nothing.

Choker · 05-19-2010, 10:45 PM

Quote:

Originally Posted by Robbie

WTF? Term or whole? I pay $800 a year combined for two 1 mil policies. Damn.

EDIT: Mine are term by the way 20 year ones. You must have a 2.5 mil whole life policy

Actually im wrong, $1000 for health and life, life is $500 a month with a 30 year premium lockin
I smoke but no health problems at all

TrainWreckContent · 05-19-2010, 10:48 PM

[QUOTE=will76;17157011]Feel free to hit me up if you have any questions. But to reply to your comments, you should be ready to buy as soon as you sit down and figure out how much you need and what type to get

(insurability)

QUOTE]

thanks i might do that in a week or two

will76 · 05-19-2010, 10:51 PM

Quote:

Originally Posted by MikeSmoke

Will, hope you don't think I'm hijacking, because that's not my intention - this has nothing to do with regular life insurance policies, which I agree are a terrific idea. I have several. And it seems that Will can help you with them.

But if anyone is either 60+ with assets...or has parents who are 60+ with assets...and you are interested in some high-value life insurance for (virtually) free, hit me up and I can steer you in the right direction. I've already done it, and I have an extra $10 million of life insurance that cost me virtually nothing.

I'd be interesting in hearing more for sure. I am familiar with a few asset management products that are great for older people (55+) that have a lot of money sitting in cd's and money market funds making nothing.

Feel free to thread jack away and post here or hit me up directly if not, I'm interested. 86364801

Quote:

Originally Posted by riggo

thanks i might do that in a week or two

ok drive carefully till then... just messing with you

I have a love / hate relationship with insurance now I feel like I can't live without. When I switched Disability insurance companies about 6 months ago i had a little lapse in between switching and I was nervous as shit that something was going to happen to me those couple days I wasn't covered. Amazing how much of a piece of mind insurance gives you especially once you get it, even though none of us like paying for it.

baddog · 05-19-2010, 10:58 PM

Quote:

Originally Posted by will76

that is some optimistic thinking... the obama part. He could be around for 6+ more years.

You never know when an accident can happen.

I could die in my sleep and they will do fine. No worries.

fuzebox · 05-19-2010, 11:09 PM

Quote:

Originally Posted by will76

If no one depends on you financially and you don't want to leave your kids/ grand kids an nice inheritance then I guess you don't need it.

will76 · 05-19-2010, 11:20 PM

Quote:

Originally Posted by baddog

I could die in my sleep and they will do fine. No worries.

no worries that you might die in your sleep or that obama will likely get more of your money than your kids ?

you don't have any business partners ?

lagcam · 05-20-2010, 04:11 AM

Classic Will76.

Just cannot accept that somebody may have adequately managed something without his help and will keep on and on until you either buy insurance from him or he gets another bee in his bonnet.

Roby · 05-20-2010, 04:18 AM

i do not like insurance too.

NinjaSteve · 05-20-2010, 05:09 AM

Quote:

Originally Posted by will76

How many people here don't have life insurance? (in US)

If not, why?

If you do have it how much do you have?

Do you have it? How much and what type?

Sid70 · 05-20-2010, 05:19 AM

Quote:

Originally Posted by will76

How many people here don't have life insurance? (in US)

If not, why?

If you do have it how much do you have?

didnt you watch 2012?

Sid70 · 05-20-2010, 05:23 AM

Quote:

Originally Posted by will76

that is some optimistic thinking... the obama part. He could be around for 6+ more years.

You never know when an accident can happen.

You seem to be pushing the idea so hard i beging to think you either regret you are paying that much for it or they hired you to sell insurance for GFYers, last case - let me know, I do great financial web sites!

Spudstr · 05-20-2010, 06:26 AM

damn, I pay 86/month for my term 1mil life policy. I can't remember if its 20 or 30 years though.

Quote:

Originally Posted by lagcam

Classic Will76.

Just cannot accept that somebody may have adequately managed something without his help and will keep on and on until you either buy insurance from him or he gets another bee in his bonnet.

I don't think its about that, More of the lines I pay 86/month for the next 20 years? If i die, get hit by a bus/whatever my wife gets 1million.

On a 20 year term I would of paid out just under 21k. In return if I die they get 1million. Sad to say it but its kinda better odds than winning the lottery?

Now I also do my own money management and retirement but whats 86/month for some cushion?

David! · 05-20-2010, 06:49 AM

$75 a month for $1M.
I got to lose 25lbs so I can get it to $2M without breaking the bank.

Sly · 05-20-2010, 06:57 AM

I don't need it. Current assets would cover any debts I would have from dying, and I'm sorry but I'm not spending $300 a month so my family can cash out. If I had a wife/girlfriend and kids it would be different.

will76 · 05-20-2010, 07:06 AM

Quote:

Originally Posted by lagcam

Classic Will76.

Just cannot accept that somebody may have adequately managed something without his help and will keep on and on until you either buy insurance from him or he gets another bee in his bonnet.

Hi hater

which person would you be referring to? If Baddog I am just joking with him. Thanks for your concern and your comments.

Quote:

Originally Posted by Adultmix

You seem to be pushing the idea so hard i beging to think you either regret you are paying that much for it or they hired you to sell insurance for GFYers, last case - let me know, I do great financial web sites!

Lighten up people. I'm just messing with Baddog about Obama taking all of his money. It's a joke, he said he didn't want life insurance 20x. Do you think if he did he would buy it from me anyway, if I was even trying to sell it to him in the first place. geesh.

On a side note, almost everyone does need insurance, at least 99% of you. If you don't have it it's not my problem, but you and your families if something happens to you. I'm trying to point out the important of it for those of you who don't know better. Open a phone book and buy some if you don't already have an agent. No thanks on the site offer, I am capable of building my own sites for whatever I need.

slapass · 05-20-2010, 07:30 AM

Quote:

Originally Posted by will76

If no one depends on you financially and you don't want to leave your kids/ grand kids an nice inheritance then I guess you don't need it.

If you will be leaving them a nice inheritance then you could use life insurance to pay the estate taxes so the govt wont get as much of what you leave behind as your heirs get.

If you have business partner(s) life insurance is good to use for buy/sell so your heirs don't become their new partners.

Lots of applications for using life insurance, very few people don't have at least 1 need for it.

The estate can pay its own tax. Life insurance is not free.

My heirs should become my partners new partners. In my mind that is how it works.

I am not a big fan of insurance just to be insured. If you have a pretty decent estate then why do you need to be insured? If I die my kids will not starve and that is pretty much all I am supposed to "insure".

woj · 05-20-2010, 07:31 AM

don't need one at the moment

will76 · 05-20-2010, 07:33 AM

Quote:

Originally Posted by NinjaSteve

Do you have it? How much and what type?

I have about 1.5M right now in death benefit between 2 policies (whole life and a VUL) which I started funding 8 years ago. I pay about $800 a month but it's permanent insurance not term so most of it goes to investment (cash value). around age 60/65 I will have between 2M - 3M in cash value. I chose to do more life insurance than I need because I wanted to fund more towards the cash value. You can borrow from (yourself basically) the cash value from your policy any time you want and pay no taxes or penalties. So when most people are pulling from a 401K or IRA when they are in retirement years I can "borrow" money from my own policy's cash value and not have to pay any income taxes. Not to mention in most cases if you break or pull money from 401K, IRAs etc.. before age 59.5 you will get IRS penalties as well.

heymatty · 05-20-2010, 09:58 AM

Um are you advising people that a whole life insurance plan is more tax efficient than an IRA for retirement savings?

Amputate Your Head · 05-20-2010, 10:02 AM

No life insurance. And no thanks.

KrissyElise · 05-20-2010, 10:02 AM

1 million. I am young but you never know what could happen.

will76 · 05-20-2010, 10:21 AM

Quote:

Originally Posted by heymatty

Um are you advising people that a whole life insurance plan is more tax efficient than an IRA for retirement savings?

i'm not advising people on anything. I am simply telling them what I did and the pros and cons of the different choices. I am not your financial planner, if even 1 out of 100 people who haven't done something read what I posted and it makes them want to go do something (that might even be a stretch) then their next step is to get with some one qualified to help them with it.

Peaches · 05-20-2010, 10:59 AM

Less than $10K I get free from various banks I have accounts with. But as far as paying for coverage, none. I carried term when I had a dependent - $650K. But no one is depending on me and I don't feel like someone winning the lottery because I died ;)

MikeSmoke · 05-20-2010, 01:36 PM

Quote:

Originally Posted by Peaches

I don't feel like someone winning the lottery because I died ;)

Not even me???

Peaches · 05-20-2010, 02:59 PM

Quote:

Originally Posted by MikeSmoke

Not even me???

OK - but just you ;)

BestXXXPorn · 05-20-2010, 03:00 PM

I have my salary x 5 in life insurance...

And I have my salary x 10 in AD&D insurance... If I lose my hand(s) I'd be FUCKED...

O MARINA · 05-20-2010, 03:16 PM

Quote:

Originally Posted by KrissyElise

1 million. .

sssh don't tell that russky

MikeSmoke · 05-20-2010, 04:12 PM

Quote:

Originally Posted by Peaches

OK - but just you ;)

woohoo!

05-19-2010, 09:25 PM	#1
will76 Making $$$$ w/ ClickCash Industry Role: Join Date: May 2003 Location: USA Posts: 18,037	How many of you don't have life insurance? How many people here don't have life insurance? (in US) If not, why? If you do have it how much do you have? __________________ ICQ: 86364801 Email: will [at] innovativeassets [dot] com PROGRAM SHIT LIST - DO NOT PROMOTE (click link for gfy thread) FNCash \| Media Revenue

05-19-2010, 09:50 PM	#6
Spudstr Confirmed User Industry Role: Join Date: Jan 2003 Location: In a Tater Patch Posts: 2,321	term life, 1mil. probably about average. __________________ Managed Hosting - Colocation - Network Services Yellow Fiber Networks icq: 19876563

05-19-2010, 10:10 PM	#8
Jon Oso Confirmed User Industry Role: Join Date: Feb 2005 Location: Cardboard Box Posts: 2,241	I signed a 250k policy about a month ago just so I could get my car insurance to go down from 350 a month to 250. __________________ icq 416133583 My Blog Clips4Sale Store

05-19-2010, 10:14 PM	#9
TrainWreckContent Confirmed User Industry Role: Join Date: Dec 2008 Location: Under a Train Wreck Posts: 8,129	i was just thinking about this 2 days ago...was actually going to look into as i am not getting any younger lol any suggestions from those who have it what to look for when buying insurance?? __________________ Train Wreck Content Telegram @DanTrainwreck / Whatsapp TrainWreck / Email [email protected]

05-19-2010, 10:17 PM	#11
CYF Coupon Guru Industry Role: Join Date: Mar 2009 Location: Minneapolis Posts: 10,973	I have a free 1k policy from my credit union. Other than that, no life insurance. I don't have any kids, or debt, and I'm still relatively young. __________________ Webmaster Coupons Coupons and discounts for hosting, domains, SSL Certs, and more! AmeriNOC Coupons \| Certified Hosting Coupons \| Hosting Coupons \| Domain Name Coupons

05-19-2010, 09:37 PM	#2
baddog So Fucking Banned Industry Role: Join Date: Apr 2001 Location: the beach, SoCal Posts: 107,089	I have no need for it. I prefer to be missed.

05-19-2010, 09:53 PM	#7
tony286 lurker Industry Role: Join Date: Aug 2002 Location: atlanta Posts: 57,021	Once I finish my weight loss I will be getting some.Enough to pay off the house if I die

05-19-2010, 10:19 PM	#13
Robbie Leaner, Meaner, Faster Industry Role: Join Date: Aug 2002 Location: Vegas Posts: 20,959	Two 1 million dollar term policies. I recently cashed out a small 20K whole life policy __________________ -Robbie ClaudiaMarie.Com

05-19-2010, 10:27 PM	#15
Choker Confirmed User Industry Role: Join Date: Apr 2001 Location: Orlando Posts: 9,024	2.5 mill my daughter gets it all, i'm worth more dead than alive lol Shit costs me $1000 a month __________________ ICQ me lets make a deal 116894466 Need dating, cam, or tube traffic? I got it.http://http://www.chokertraffic.com The Original http://www.chokertraffic.com/ Premium country pop-unders from $1.50 per k. I challenge you to compare this traffic to any other brokers. http://www.chokertraffic.com/public/tabs.php?t=o

05-19-2010, 10:43 PM	#22
MikeSmoke Confirmed User Join Date: Nov 2002 Location: SoCal Posts: 3,233	Will, hope you don't think I'm hijacking, because that's not my intention - this has nothing to do with regular life insurance policies, which I agree are a terrific idea. I have several. And it seems that Will can help you with them. But if anyone is either 60+ with assets...or has parents who are 60+ with assets...and you are interested in some high-value life insurance for (virtually) free, hit me up and I can steer you in the right direction. I've already done it, and I have an extra $10 million of life insurance that cost me virtually nothing. __________________ icq: 541-739-92

05-19-2010, 10:48 PM	#24
TrainWreckContent Confirmed User Industry Role: Join Date: Dec 2008 Location: Under a Train Wreck Posts: 8,129	[QUOTE=will76;17157011]Feel free to hit me up if you have any questions. But to reply to your comments, you should be ready to buy as soon as you sit down and figure out how much you need and what type to get (insurability) QUOTE] thanks i might do that in a week or two __________________ Train Wreck Content Telegram @DanTrainwreck / Whatsapp TrainWreck / Email [email protected]

05-20-2010, 04:11 AM	#29
lagcam Confirmed User Industry Role: Join Date: Jul 2007 Posts: 2,892	Classic Will76. Just cannot accept that somebody may have adequately managed something without his help and will keep on and on until you either buy insurance from him or he gets another bee in his bonnet. __________________ Working Cam site for sale - NOT affiliate.

05-20-2010, 04:18 AM	#30
Roby Confirmed User Industry Role: Join Date: Nov 2004 Location: Praga Posts: 8,033	i do not like insurance too. __________________ PicsForDesign - images for your Promo Work for Designers and Artists

05-20-2010, 06:49 AM	#35
David! By the wrath of Agamemnon Industry Role: Join Date: Apr 2004 Location: Miami Posts: 6,501	$75 a month for $1M. I got to lose 25lbs so I can get it to $2M without breaking the bank. __________________ .

05-20-2010, 06:57 AM	#36
Sly Let's do some business! Industry Role: Join Date: Sep 2004 Location: Austin, TX Posts: 31,296	I don't need it. Current assets would cover any debts I would have from dying, and I'm sorry but I'm not spending $300 a month so my family can cash out. If I had a wife/girlfriend and kids it would be different. __________________ Vacares - Web Hosting, Domains, O365, Security & More - Paxum and BTC Accepted Windows VPS now available - just $50/mo Wanted: CCBill pay sites for sale

05-20-2010, 07:31 AM	#39
woj <&(©¿©)&> Industry Role: Join Date: Jul 2002 Location: Chicago Posts: 47,882	don't need one at the moment __________________ Custom Software Development, email: woj#at#wojfun#.#com to discuss details or skype: wojl2000 or gchat: wojfun or telegram: wojl2000 Affiliate program tools: Hosted Galleries Manager Banner Manager Video Manager Wordpress Affiliate Plugin Pic/Movie of the Day Fansign Generator Zip Manager

05-20-2010, 09:58 AM	#41
heymatty Confirmed User Join Date: Oct 2001 Location: Scottsdale :) Posts: 2,188	Um are you advising people that a whole life insurance plan is more tax efficient than an IRA for retirement savings? __________________ Cashlantis ~ Black Book Cash

05-20-2010, 10:02 AM	#42
Amputate Your Head There can be only one Industry Role: Join Date: Aug 2001 Location: Somewhere else Posts: 39,075	No life insurance. And no thanks. __________________ SIG TOO BIG

05-20-2010, 10:02 AM	#43
KrissyElise Confirmed User Join Date: Apr 2009 Location: Porn Valley Posts: 635	1 million. I am young but you never know what could happen.

05-20-2010, 10:59 AM	#45
Peaches Old broad Join Date: Oct 2002 Location: Away Posts: 13,933	Less than $10K I get free from various banks I have accounts with. But as far as paying for coverage, none. I carried term when I had a dependent - $650K. But no one is depending on me and I don't feel like someone winning the lottery because I died ;)

05-20-2010, 03:00 PM	#48
BestXXXPorn Confirmed User Join Date: Jun 2009 Location: Asheville, NC Posts: 2,277	I have my salary x 5 in life insurance... And I have my salary x 10 in AD&D insurance... If I lose my hand(s) I'd be FUCKED... __________________ ICQ: 258-202-811 \| Email: eric{at}bestxxxporn.com