There's no way I would spend 5% of my income on life/disability insurance. (I'm an actuary, BTW.) Start with what you and your dependents would need in the event of your death or disability, rather than starting with the policy details. Also, try to objectively estimate the probability of your (early) death or disability. Then, shop around - do not take the first thing offered to you.
I have no dependents.
How do I estimate the probability of early death or disability?
What other multinational life insurance companies are there?
This is in my top 5 funniest comments made on LW.
Which are the other four?
Now, all that's left to do is convince the world that nukes are not evil so we can build an Orion drive powered ship and colonize that planet.
Just give us a proper forum already!
Tell me what I don't know about life insurance.
Please share your personal experience, if any, with me.
Thoughts that have occurred to me:
What are the odds that that company will be around in 38 years? I mean, both World Wars fit in that time span.
What is the probability distribution over how much the Euro will have inflated by then? Does that even matter?
I was offered life insurance by an Alico agent. What do you guys think? I don't know what I don't know about life insurance, so throw me all you've got.
I would get 36k€ if I was crippled 50% or more and 20k€ if I died or survived till 62, all for 260€ a year (that's 5% of my current salary). Does anyone know what injuries constitute what crippledness %?
THIS IS WHY WE NEED A FORUM
or something
I was offered life insurance by an Alico agent. What do you guys think? I don't know what I don't know about life insurance, so throw me all you've got.
I would get 36k€ if I was crippled 50% or more and 20k€ if I died or survived till 62, all for 260€ a year (that's 5% of my current salary). Does anyone know what injuries constitute what crippledness %?
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Riga reporting. Will the meetup be in English?