Anyone done much research on the best options for life insurance for bigger folk?
My current ten year term policy is about to expire. The two ten year terms I've done so far both started with a physical, presumably for them to categorize the risk level. This time they seem to be pushing an automatic renewal at about five times the current premiums, which is a big enough jump that I'm looking at options. I'll call my broker and see what they say, but I'm just looking to tap into experience that anyone else has as to some good options to look into to keep premiums down? (as the primary bread-winner, without enough retirement savings yet, and son still in University, I think I really should be carrying life insurance for the next while at least. Were I to be hit by the proverbial bus next year it would currently be rough on wife and son)
My current ten year term policy is about to expire. The two ten year terms I've done so far both started with a physical, presumably for them to categorize the risk level. This time they seem to be pushing an automatic renewal at about five times the current premiums, which is a big enough jump that I'm looking at options. I'll call my broker and see what they say, but I'm just looking to tap into experience that anyone else has as to some good options to look into to keep premiums down? (as the primary bread-winner, without enough retirement savings yet, and son still in University, I think I really should be carrying life insurance for the next while at least. Were I to be hit by the proverbial bus next year it would currently be rough on wife and son)
