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Reply to "FEGLI or another life insurance option?"
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[quote=Anonymous]Why do you need a 30 year term? If you die at age 65, won't your retirement savings go to your husband and he will live on that? Typically life insurance is meant to replace the income --- so if you will not be making income, you don't need life insurance. That may save you some money. Are you in good health? No high blood pressure or diabetes? Are you overweight? If you have any of these, you may be better off going with FEGLI -- remember they have to take eveyrone, so the rates are based on the average fed employee's health (or lack thereof). If you are in better health than the average joe, you would be better off getting your own policy based on a health exam. When DH was mid 40s, we got a 20 yr $400K policy with Amer Gen. for about $450/year (health exam required). Now, at mid 50s it is much more expensive to get a 10 yr. policy. [/quote]
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