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Reply to "Huge jump in term life premium—is this typical?"
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[quote=Anonymous]$3600/yr for your DH is steep unless it’s a very long term, very high coverage, or he’s in poor health. DH and I got 20 year terms in our late 30s a couple years ago. We each pay only $600/yr. I have $1M coverage but DH has only $600K coverage. His blood pressure was a little high, and that caused him to be eligible for only the 3rd best rate. You should shop around. It’s not fun getting your blood drawn and answering a zillion questions on the application but that will get you a lower premium than FEGLI or going with an insurer that uses less data to assess your risk. [/quote]
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