October 17th, 2009 | 
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asked:
I have seen around the internet that the maximum term life insurance policy allowed for a person in their 20s is usually 20 times their income. However, I was wondering if there are any policies that take into account the combined household income. If a husband and wife both make $40,000 a year, are they entitled to a policy that is based on $80,000 of combined income, or are all policies handled on an individual basis?
Craig Sudweeks
I have seen around the internet that the maximum term life insurance policy allowed for a person in their 20s is usually 20 times their income. However, I was wondering if there are any policies that take into account the combined household income. If a husband and wife both make $40,000 a year, are they entitled to a policy that is based on $80,000 of combined income, or are all policies handled on an individual basis?
Craig Sudweeks
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thats all the employer provides.. you can call any insurance company and buy any combination of term policies you want to collect $500,000 or a million. you just pay for it yourself.. No the plan is what the employer chose but call the benefit dept and ask if you can increas your limit with the company plan and the cost. you will find if your under 50 term policies are pretty reasonable.. buy more yourself.. you dont need to have it per your income.. just for the security to your family.
The coverage amount but if you you can prove its reasonable for your situation theyll sell it to you you arent entitled to anything each policy is individually.
For your situation theyll sell it to you you you arent entitled to anything each policy is individually negotiated.
For your situation theyll sell it to you arent entitled to you arent entitled to anything each policy is individually negotiated.
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For large amount that is reasonable if you are asking for large amount explain why you can get quotes from different life insurance companies in my experience an insurer will consider any amount explain why you have shot at it try this site to find.
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