https://boards.hellobee.com/ Pregnancy, Baby and Parenting blog, by Hellobee en Fri, 22 May 2026 18:01:31 +0000 https://boards.hellobee.com/topic/do-you-have-life-insurance#post-818261 Thu, 30 May 2013 13:11:12 +0000 bunnylove08 818261@https://boards.hellobee.com/ <p>Does anyone know what happens to term life after your term is over? Do you just lose the money you've put into it or is whatever you have put into it stays and you're guaranteed that. </p> https://boards.hellobee.com/topic/do-you-have-life-insurance#post-816652 Wed, 29 May 2013 21:47:32 +0000 teamjse 816652@https://boards.hellobee.com/ <p>My mom is a State Farm agent, so yes, both of us have life insurance. Every year she buys additional policies for the grandkids because it's so cheap when they're young. </p> https://boards.hellobee.com/topic/do-you-have-life-insurance#post-816647 Wed, 29 May 2013 21:43:31 +0000 heffalump 816647@https://boards.hellobee.com/ <p>Dh has it through his job. </p> https://boards.hellobee.com/topic/do-you-have-life-insurance#post-816629 Wed, 29 May 2013 21:19:11 +0000 Pepper 816629@https://boards.hellobee.com/ <p>We are both insured through work, and DH has an additional policy. </p> https://boards.hellobee.com/topic/do-you-have-life-insurance#post-816568 Wed, 29 May 2013 20:36:27 +0000 SugarplumsMom 816568@https://boards.hellobee.com/ <p>Yes, we both do. A thread on here a few months ago is what actually prompted me to get one too and increase it somewhat. DH has always had it through his work and we added another through our house insurance. </p> https://boards.hellobee.com/topic/do-you-have-life-insurance#post-816558 Wed, 29 May 2013 20:33:47 +0000 jhd 816558@https://boards.hellobee.com/ <p>We have term life insurance policies. </p> https://boards.hellobee.com/topic/do-you-have-life-insurance#post-816554 Wed, 29 May 2013 20:32:13 +0000 Mrs D 816554@https://boards.hellobee.com/ <p>We have the basic provided by our work - I get 1.5 times my salary and DH gets 1 time his. We have decided that with LO on the way we need to up our coverage so we each have $250K of coverage in case something happens. That basically allows one of us to pay off the house and have a small nest egg god forbid something happened. </p> https://boards.hellobee.com/topic/do-you-have-life-insurance#post-816535 Wed, 29 May 2013 20:26:50 +0000 rattles 816535@https://boards.hellobee.com/ <p>@Foodnerd81: Ha, DH made the same "joke" to the same response. </p> https://boards.hellobee.com/topic/do-you-have-life-insurance#post-816531 Wed, 29 May 2013 20:25:03 +0000 Foodnerd81 816531@https://boards.hellobee.com/ <p>@rattles: Oh, we have a policy for both of us, but his is much larger. Both are through his work though. I declined the one offered through my job since his was cheaper and provided more coverage. </p> <p>He likes to joke about how "set" I'd be if something happened, since it's a big policy. I do not think those jokes are funny. </p> https://boards.hellobee.com/topic/do-you-have-life-insurance#post-816507 Wed, 29 May 2013 20:11:50 +0000 pl0508 816507@https://boards.hellobee.com/ <p>We have it with our work and also each have a policy with USAA! </p> https://boards.hellobee.com/topic/do-you-have-life-insurance#post-816446 Wed, 29 May 2013 19:51:09 +0000 Grace 816446@https://boards.hellobee.com/ <p>Yup, through work. </p> https://boards.hellobee.com/topic/do-you-have-life-insurance#post-816441 Wed, 29 May 2013 19:49:24 +0000 loveisstrange 816441@https://boards.hellobee.com/ <p>We all do, including C. </p> https://boards.hellobee.com/topic/do-you-have-life-insurance#post-816434 Wed, 29 May 2013 19:46:04 +0000 keiki_mama 816434@https://boards.hellobee.com/ <p>We both have basic life insurance through work but it's for a very minimal amount so we decided to purchase supplemental plans on our own. </p> https://boards.hellobee.com/topic/do-you-have-life-insurance#post-816430 Wed, 29 May 2013 19:44:44 +0000 MrsH 816430@https://boards.hellobee.com/ <p>Yup, throughAAA. </p> https://boards.hellobee.com/topic/do-you-have-life-insurance#post-816425 Wed, 29 May 2013 19:42:50 +0000 googly-eyes 816425@https://boards.hellobee.com/ <p>We both have it through DH's work. His policy is MUCH larger than mine. I think mine is a little less than 50k, and his is over 300k and more if he dies at work. </p> https://boards.hellobee.com/topic/do-you-have-life-insurance#post-816422 Wed, 29 May 2013 19:41:02 +0000 MrsF 816422@https://boards.hellobee.com/ <p>DH has very good life insurance through work. I should probably have some myself. </p> https://boards.hellobee.com/topic/do-you-have-life-insurance#post-816386 Wed, 29 May 2013 19:22:20 +0000 MamaMoose 816386@https://boards.hellobee.com/ <p>Yes we both have substantial term life policies (not through an employer). </p> https://boards.hellobee.com/topic/do-you-have-life-insurance#post-816372 Wed, 29 May 2013 19:15:07 +0000 MsMamaBear 816372@https://boards.hellobee.com/ <p>Yep. </p> https://boards.hellobee.com/topic/do-you-have-life-insurance#post-816139 Wed, 29 May 2013 16:36:00 +0000 rattles 816139@https://boards.hellobee.com/ <p>@Foodnerd81: @katsupgirl covered my thoughts on DH, but if you're transitioning into being a SAHM, you might also want to look into supplemental coverage for yourself. If something were to happen to you, there wouldn't be lost income but there would be the added expense of child coverage. </p> https://boards.hellobee.com/topic/do-you-have-life-insurance#post-816135 Wed, 29 May 2013 16:35:12 +0000 Bao 816135@https://boards.hellobee.com/ <p>DH does but I do not. </p> https://boards.hellobee.com/topic/do-you-have-life-insurance#post-816132 Wed, 29 May 2013 16:34:29 +0000 Foodnerd81 816132@https://boards.hellobee.com/ <p>@katsupgirl: Yup, that makes perfect sense. Maybe we should get something else, especially for DH... </p> https://boards.hellobee.com/topic/do-you-have-life-insurance#post-816115 Wed, 29 May 2013 16:28:27 +0000 katsupgirl 816115@https://boards.hellobee.com/ <p>@Foodnerd81: having outside of your job is good if you change jobs. Lets say you developed a medical condition that now makes you less insurable. If you had outside the job it wouldn't matter. If you only had with the job and you needed to change jobs you might not be able to get a new policy. </p> <p>Also premiums go up with age so if you change jobs when you are older you risk having to pay a lot more. </p> <p>I hope that made sense. </p> https://boards.hellobee.com/topic/do-you-have-life-insurance#post-816096 Wed, 29 May 2013 16:21:55 +0000 blackbird 816096@https://boards.hellobee.com/ <p>We both have plans through work and DH has an additional plan through the military </p> https://boards.hellobee.com/topic/do-you-have-life-insurance#post-816046 Wed, 29 May 2013 16:04:18 +0000 deerylou 816046@https://boards.hellobee.com/ <p>Whoops, just realized I do have term life insurance. Apparently, I opted into when I signed up for health/dental insurance. DH's is supplemental, and a much larger sum. </p> https://boards.hellobee.com/topic/do-you-have-life-insurance#post-816028 Wed, 29 May 2013 15:59:35 +0000 Foodnerd81 816028@https://boards.hellobee.com/ <p>We have pretty hefty plans through DH's job. If you have enough (dollarwise) through a job, what is the purpose of getting supplemental? In case you change jobs? Or am I missing a reason?</p> <p>I didn't really care that much before but with LO on the way, and me transitioning to a SAHM, I do want to make sure we are really covered. </p> https://boards.hellobee.com/topic/do-you-have-life-insurance#post-816023 Wed, 29 May 2013 15:57:28 +0000 2PeasinaPod 816023@https://boards.hellobee.com/ <p>We have 3 different types. Term life through work that is company paid, convertible term life that is with an outside company and whole life with that same company. </p> https://boards.hellobee.com/topic/do-you-have-life-insurance#post-816020 Wed, 29 May 2013 15:56:25 +0000 littlebittyhouse 816020@https://boards.hellobee.com/ <p>we have basic, supplemental and AD&amp;D for DH and I. LO has a whole life insurance policy. Basic is funded by our employers, the others are funded by us. </p> https://boards.hellobee.com/topic/do-you-have-life-insurance#post-816014 Wed, 29 May 2013 15:55:38 +0000 Smurfette 816014@https://boards.hellobee.com/ <p>We both have coverage we pay for. Along with coverage our jobs provide. </p> https://boards.hellobee.com/topic/do-you-have-life-insurance#post-816010 Wed, 29 May 2013 15:54:14 +0000 rattles 816010@https://boards.hellobee.com/ <p>We both do. DH has coverage through work, but we have supplemental coverage for each of us. We increased the amount substantially when we found out I was pregnant. We also have disability insurance. </p> https://boards.hellobee.com/topic/do-you-have-life-insurance#post-815978 Wed, 29 May 2013 15:44:24 +0000 deerylou 815978@https://boards.hellobee.com/ <p>DH has health, life, and disability, but I only have health, for now. I'll probably insure up again, eventually. </p>