How insured are you?
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Anonymous
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How old are you and what kinds of insurance do you have?
Health Dental Homeowners insurance Car insurance Short term disability Long term disability Long term care Umbrella policy insurance Term life insurance Whole life insurance other? What else is there? |
Anonymous
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35 married, 2 kids, very high income, high net worth
Health Dental Homeowners Car Long term disability Term life Variable life ( I think I actually makes sense for me, but income went very high when I was young) Umbrella Workers comp for nanny Self insure short term disability Too wealthy for Ltc to make sense Separate umbrella for all investment properties owned by LLCs I love insurance, but believe in high deductibles to control costs. I have very high limits. |
Anonymous
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29, married. We don't have a ton of money, but I really believe in getting LT disability and term life insurance while you can still qualify and get a decent rate.
We have: Health Dental Renter's Car Long-term disability Term life (80) - $500K each for me and spouse We do not have: Short-term disability Long-term care Umbrella policy Whole life Vision (had it, but it wasn't worth the cost) |
Anonymous
| 53, no short term disability, long term care and no umbrella policy. I have all of the rest. I don't see the point of short term disability - have tons of saved sick leave plus savings at this point. I am friends with people in the long term care insiders and they say LTC insurance doesn't pay out very much so it's not usually worth the money. I don't know why I don't have an umbrella policy. |
Anonymous
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A single mom with a 7-year old, I am mid-40s:
Have: Health Dental Vision ST Disability Term life Umbrella policy Car Homeowners Don't have: LT Care (I plan to buy when I reach 50 or so, which is the 'sweet spot' for value) Whole life (don't even know what that is) |
Anonymous
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Married 48. I have -
Homeowners (own home and rental) Auto Umbrella Health - no dental or vision Term life Health is covered under DH's job, but I feel like we pay out a boatload of money every year for all this insurance |
Anonymous
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Anonymous
47, WOH making 3/5 of the HHI, married with 2 kids under 18. DH and I have: Excellent health insurance So-so dental home-owners auto (x2) used to have individual ST/LT disability on me but dropped it when it got exorbitantly expensive. We both have LT disability through work. term life insurance, about $1 million each No umbrella, no long-term care, no whole life. |
Anonymous
32, married, two kids, and I'm an insurance agent. We have everything listed above, except whole life. It's too expensive for us to purchase right now, with two kids in day care. |
Anonymous
| We have everything but long term care |
Anonymous
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SAHM, 44
health, dental homeowners with very high deductible car but no collision or comprehensive on older cars term life insurance on DH but not me umbrella No short or long term disability other than possibly a small policy for DH through work. No whole insurance. No LTC insurance. |
Anonymous
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Married, 33, 1 kid.
Health Dental Homeowners Car Whole life Term life Umbrella policy Riders for a few personal property items that wouldn't be covered under homeowner's insurance |
Anonymous
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Health
Dental Homeowners Car Life insurance Would love short term disability, but we're feds and can't find and policies. I've heard LTC is a waste of money. |
Anonymous
| Especially the high HHI posters: get umbrella insurance! We have $5M coverage for about $1200 a year. People will sue you over a playground accident. Get insured! |
Anonymous
I have AFLAC cancer insurance through my employer. lol, they pay me $100 every time I get a PAP smear |