https://boards.hellobee.com/ Pregnancy, Baby and Parenting blog, by Hellobee en Tue, 26 May 2026 15:31:33 +0000 https://boards.hellobee.com/topic/do-you-andor-your-so-have-a-life-insurance-policy/page/2#post-1952135 Thu, 20 Nov 2014 11:19:55 +0000 Mrs. Lion 1952135@https://boards.hellobee.com/ <p>@regberadaisy: nope! </p> https://boards.hellobee.com/topic/do-you-andor-your-so-have-a-life-insurance-policy/page/2#post-1952107 Thu, 20 Nov 2014 11:08:35 +0000 regberadaisy 1952107@https://boards.hellobee.com/ <p>@Mrs. Lion: @jhd: do you have to pay for the different quotes? </p> https://boards.hellobee.com/topic/do-you-andor-your-so-have-a-life-insurance-policy/page/2#post-1948960 Tue, 18 Nov 2014 11:25:09 +0000 Greentea 1948960@https://boards.hellobee.com/ <p>We purchased one for DH through State Farm. </p> https://boards.hellobee.com/topic/do-you-andor-your-so-have-a-life-insurance-policy/page/2#post-1948925 Tue, 18 Nov 2014 11:10:26 +0000 keiki_mama 1948925@https://boards.hellobee.com/ <p>We both go through Northwestern Mutual. </p> https://boards.hellobee.com/topic/do-you-andor-your-so-have-a-life-insurance-policy/page/2#post-1948890 Tue, 18 Nov 2014 10:51:23 +0000 MaryM 1948890@https://boards.hellobee.com/ <p>I have one through work and through Modern Woodmen, which my parents set up when I was a baby. </p> <p>DH has had a hard time getting an affordable policy because of his health (he's type 1.5 diabetic and has had kidney cancer). </p> <p>I've started to consider adoption, and this has me a little worried because the agency we'd most likely use requires both parents to have life insurance. </p> https://boards.hellobee.com/topic/do-you-andor-your-so-have-a-life-insurance-policy/page/2#post-1948885 Tue, 18 Nov 2014 10:47:58 +0000 MenagerieMama 1948885@https://boards.hellobee.com/ <p>We are in the process of applying (getting labs/exam done this week actually!) now that we have a kiddo. I'm getting us a 10 yr term policy through my professional organization that goes through NY Life. Should cover mortgage (which we don't have yet but hopefully will within 10 years) and paying off student loans and baby raising expenses. The other option I looked into was AAA's plan. After 10 years we'll reevaluate what we need based on what we have through work, how many kids we have, what that future mortgage is, etc. </p> https://boards.hellobee.com/topic/do-you-andor-your-so-have-a-life-insurance-policy/page/2#post-1948864 Tue, 18 Nov 2014 10:39:42 +0000 mrsjyw 1948864@https://boards.hellobee.com/ <p>Yep we have a combo of private and work related life insurance. We have a mix of term and whole life through a few different companies. </p> https://boards.hellobee.com/topic/do-you-andor-your-so-have-a-life-insurance-policy/page/2#post-1948144 Mon, 17 Nov 2014 18:08:48 +0000 Mrs.KMM 1948144@https://boards.hellobee.com/ <p>We just have work ones for now but now that I am pregnant, we need to look into getting policies for both of us with more and better coverage. </p> https://boards.hellobee.com/topic/do-you-andor-your-so-have-a-life-insurance-policy#post-1947210 Mon, 17 Nov 2014 10:37:46 +0000 youboots 1947210@https://boards.hellobee.com/ <p>We both do. I have term and he has whole life and term. We have it through Met Life. The amount covers the amount of our mortgages at our home and part of the rental. </p> https://boards.hellobee.com/topic/do-you-andor-your-so-have-a-life-insurance-policy#post-1947201 Mon, 17 Nov 2014 10:32:25 +0000 prettylizy 1947201@https://boards.hellobee.com/ <p>We both have insurance through work for us and the kids, then separately we have life and critical illness through our FP, and CI for the girls. </p> https://boards.hellobee.com/topic/do-you-andor-your-so-have-a-life-insurance-policy#post-1947193 Mon, 17 Nov 2014 10:27:15 +0000 NeekieRose 1947193@https://boards.hellobee.com/ <p>We each have a term and whole life with MetLife. In addition to work policies. I almost wasn't able to get it due to the breast cancer in my family (grandma, mom, sister at 23). </p> https://boards.hellobee.com/topic/do-you-andor-your-so-have-a-life-insurance-policy#post-1947183 Mon, 17 Nov 2014 10:23:52 +0000 ballerinabee 1947183@https://boards.hellobee.com/ <p>Mutual of Omaha - we went with term policies for now, since we need a lot of coverage. We'll re-evaluate every 5-10 years or so, or with any major financial / life changes. </p> https://boards.hellobee.com/topic/do-you-andor-your-so-have-a-life-insurance-policy#post-1947179 Mon, 17 Nov 2014 10:22:17 +0000 lemondrop 1947179@https://boards.hellobee.com/ <p>I think it's Minnesota Life. Our financial planner did a bid shop around and chose the best deal. We made sure our mortgage would be covered with both, but mine is cheaper and for less money. </p> https://boards.hellobee.com/topic/do-you-andor-your-so-have-a-life-insurance-policy#post-1947175 Mon, 17 Nov 2014 10:21:20 +0000 2PeasinaPod 1947175@https://boards.hellobee.com/ <p>We both do through Ohio National.</p> <p>As an FYI to those who only have work plans - while you can convert them after you leave the company, what you have through your companies is considered term life, rather than whole life. Once you convert it, it will be far more expensive than what you pay for through work. </p> https://boards.hellobee.com/topic/do-you-andor-your-so-have-a-life-insurance-policy#post-1947156 Mon, 17 Nov 2014 10:11:54 +0000 RsMom 1947156@https://boards.hellobee.com/ <p>@avivoca: That would be great if they offer plans outside of the US, I'm in Canada. </p> https://boards.hellobee.com/topic/do-you-andor-your-so-have-a-life-insurance-policy#post-1947131 Mon, 17 Nov 2014 09:55:48 +0000 rattles 1947131@https://boards.hellobee.com/ <p>We both have policies, one through Genworth and one through Hartford. Our financial planner helped us choose the best coverage deals for us. </p> https://boards.hellobee.com/topic/do-you-andor-your-so-have-a-life-insurance-policy#post-1947130 Mon, 17 Nov 2014 09:54:52 +0000 LuLu Mom 1947130@https://boards.hellobee.com/ <p>We both do, and they are both through Northwestern Mutual. </p> https://boards.hellobee.com/topic/do-you-andor-your-so-have-a-life-insurance-policy#post-1947127 Mon, 17 Nov 2014 09:54:14 +0000 avivoca 1947127@https://boards.hellobee.com/ <p>@RsMom: My husband is insulin-dependent as well but has a life-insurance policy through his work. I can find out the company if you are interested. </p> https://boards.hellobee.com/topic/do-you-andor-your-so-have-a-life-insurance-policy#post-1947104 Mon, 17 Nov 2014 09:44:36 +0000 edelweiss 1947104@https://boards.hellobee.com/ <p>TIAA-CREF. i have a retirement account with them. we compared them with massmutual and while there wasn't a big difference, we decided to go with TIAA CREF. </p> https://boards.hellobee.com/topic/do-you-andor-your-so-have-a-life-insurance-policy#post-1947101 Mon, 17 Nov 2014 09:44:15 +0000 yoursilverlining 1947101@https://boards.hellobee.com/ <p>@regberadaisy: We both have life policies through our employers and my husband has a separate individual policy not thought his employer, which I believe is through Prudential.</p> <p>Just an FYI, you can take work/employer-sponsored group life insurance policies with you when you leave your employer – you have the option to convert group life insurance to an individual policy when you leave your employer. You’ll pay a higher rate for an individual policy vs. the group (i.e., employer sponsored plan); but you can take life insurance coverages with you when you leave your employer. This is mandated by the state, not by specific employers, and different states have different timelines where you're eligible to convert your coverage, etc..</p> <p>The New York Department of Insurance has mandated that individual whole and universal life policies are offered to employees converting from a group life to an individual life policy. Your employer should have given you notice of this when you left employment. </p> https://boards.hellobee.com/topic/do-you-andor-your-so-have-a-life-insurance-policy#post-1947092 Mon, 17 Nov 2014 09:40:15 +0000 regberadaisy 1947092@https://boards.hellobee.com/ <p>@Mrs. Lion: @jhd: thanks, I'll check them out! </p> https://boards.hellobee.com/topic/do-you-andor-your-so-have-a-life-insurance-policy#post-1947087 Mon, 17 Nov 2014 09:37:49 +0000 jhd 1947087@https://boards.hellobee.com/ <p>We both do and like @Mrs. Lion: we used Zander insurance to find the best deal. </p> https://boards.hellobee.com/topic/do-you-andor-your-so-have-a-life-insurance-policy#post-1947085 Mon, 17 Nov 2014 09:34:55 +0000 BananaPancakes 1947085@https://boards.hellobee.com/ <p>We just got ours done. Mine is through Banner Life and my husband's is through Prudential. We have term life. </p> https://boards.hellobee.com/topic/do-you-andor-your-so-have-a-life-insurance-policy#post-1947080 Mon, 17 Nov 2014 09:32:00 +0000 snowjewelz 1947080@https://boards.hellobee.com/ <p>DH def does. I think I get something thru work... </p> https://boards.hellobee.com/topic/do-you-andor-your-so-have-a-life-insurance-policy#post-1947062 Mon, 17 Nov 2014 09:16:00 +0000 lawbee11 1947062@https://boards.hellobee.com/ <p>@regberadaisy: Sometimes you can bundle life insurance with the same company you have your auto and/or home insurance with and it's cheaper. </p> https://boards.hellobee.com/topic/do-you-andor-your-so-have-a-life-insurance-policy#post-1947056 Mon, 17 Nov 2014 09:13:31 +0000 yellowbird 1947056@https://boards.hellobee.com/ <p>We both have one through northwestern mutual and I also have a plan through work that's one of my benefits. </p> https://boards.hellobee.com/topic/do-you-andor-your-so-have-a-life-insurance-policy#post-1947055 Mon, 17 Nov 2014 09:13:23 +0000 regberadaisy 1947055@https://boards.hellobee.com/ <p>@lawbee11: I'm curious only because it doesn't go with you. I've had work policies in the past as well. But obviously have nothing now that I'm unemployed. </p> https://boards.hellobee.com/topic/do-you-andor-your-so-have-a-life-insurance-policy#post-1947054 Mon, 17 Nov 2014 09:11:26 +0000 Bao 1947054@https://boards.hellobee.com/ <p>Just DH through State Farm but I think we will switch to his work one in open enrollment because it's cheaper, like $2/month. </p> https://boards.hellobee.com/topic/do-you-andor-your-so-have-a-life-insurance-policy#post-1947052 Mon, 17 Nov 2014 09:09:49 +0000 Sunshine1810 1947052@https://boards.hellobee.com/ <p>We both have policies through MetLife, and then we both have work funded policies as well. </p> https://boards.hellobee.com/topic/do-you-andor-your-so-have-a-life-insurance-policy#post-1947048 Mon, 17 Nov 2014 09:08:10 +0000 lawbee11 1947048@https://boards.hellobee.com/ <p>I have one through work but I pay for it (not sure if that's considered work-funded?). It's through Unum. DH has one but it's work-funded. </p>