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Reply to "Do we really need a will and life instance?"
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[quote=Anonymous][quote=Anonymous]We have a 3yo and a 12 mo old. My parents have started really nagging us but it seems overwhelming. Not sure where to start. Where do you start in pricing life insurance? Do we need a lawyer for a will? Ugh--I hate this stuff. Any advice? If everyone does this it can't be so hard, but yet we don't know where to start. [/quote] For life insurance, just try to look for term. Also check out the options at work during your next benefits enrollment period, which will likely be in November. Yes, you need a will. Your children wouldn't automatically go to your parents should you both die, if that is what you assume now. Only a will can ensure that. You'd also name backup guardians and trustees for any money you would leave them (usually you want the trustees and guardians to be different people).[/quote]
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