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@Pumpkin Pie: I would check rates on term4sale.com and then contact an agent who can help you figure out which company might work for you. The agents have experience with things like knowing which companies you may qualify for a higher health rating based on some preliminary info (eg. Company A cares if you were a smoker 5 years ago, Company B cares if you were a smoker 7 years ago).
In my experience, State Farm was much more expensive than a smaller company listed on that website. However you want to make sure you're comfortable with the company's financial strength--you need them to be around when you have a claim to make!
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Husband, term 30 years, $1 Mill with return of premium.
Me, term 20 years, $500K.
These are high to pay off all debts/investments etc and cover funeral cost. When we retire, we should be debt free and funeral cost should not be an issue.Check with a broker, they can probably advise you on the cheapest premium with the best bang.
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@sunny: after getting the responses here, I looked up quotes, and worked with an agent to get the best rates. But, I was specifically wondering if there were some whole life policies that earned interest.
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42 comments