Agent Owner, Gilmore Insurance Services, Marysville, Washington State
How much supplemental life insurance do you need? Going to depend on what your desires are towards protecting your family in case of your early death. So the answer really is how much do you feel you need?
The question I have would be if you are healthy, why would you go with a supplemental plan when you could qualify for a personal plan that you own and control? Supplimental life is a great deal if you are of questionable health. Usually there are few questions and minimal underwriting, which means the product has been priced assuming poor health to begin with. Remember more questions means lower price. Fewer questions mean they priced the insurance as if you already answered "yes" to the question.
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The question I have would be if you are healthy, why would you go with a supplemental plan when you could qualify for a personal plan that you own and control? Supplimental life is a great deal if you are of questionable health. Usually there are few questions and minimal underwriting, which means the product has been priced assuming poor health to begin with. Remember more questions means lower price. Fewer questions mean they priced the insurance as if you already answered "yes" to the question.