Beginning to hate it.
It’s making my head swim.
When you get married, many things happen to you. One of which is insurance. You have decisions to make. I guess you could ignore them, but you’ll be sorry someday. Jeff & I are going through the process of evaluating, consolidating and deciding on insurance. It’s hard! And we’ve already done some of the hardest stuff since we’ve already evaluated medical, vision and dental insurance. But now we’re on to the other stuff. Life insurance. Car insurance. Renters insurance. Homeowner’s insurance. Disability insurance. We each have different employers. We each have different insurance companies. Luckily, we have a common viewpoint on insurance.
- You buy insurance before you need it. You don’t get to buy life insurance the day after your spouse dies.
- You get the insurance today at the level that you need tomorrow. So, even though I don’t really need 10 times Jeff’s income today, the chances of me needing that much when he actually dies are good. Assuming we pop out some kids that will actually want to eat and know their mother. Plus insurance is cheaper when you’re 34 and 31 and in good health than when you’re 50.
- If someone is willing to give you life insurance for cheap, take it. (Thank you for spouse coverage through our employers.)
- If your life insurance is provided through your job and you no longer work there, you no longer have life insurance. So, while life insurance is great through them, you should have an outside policy.
- Some day, someone will torch down your house or hit you with their car. Count on it. (Incidentally, did you know my nickname used to be Crash? But no longer.)
Things we have going on:
- My life insurance from CSG.
- My life insurance from Farmers.
- His life insurance from UP.
- His life insurance from Farmers.
- His life insurance from CSG.
- His life insurance from Principal.
- His life insurance from State Farm.
- His disability insurance from UP.
- His disability insurance from Principal.
- My disability insurance from CSG.
- My dental insurance from CSG.
- Our medical insurance from UP.
- Our vision insurance from UP.
- My car insurance from Farmers.
- His car insurance from State Farm.
- Our renters insurance from Farmers.
- Our Homeowners/Renters Dwelling from Farmers.
As much money as we’re spending a year on insurance, there’s a very little part of me that hopes someday we make those insurance companies pay! And yet, that would mean that:
- Someone crashed into my car (cause you know I’d never hit any other cars!)
- Someone torched down our place
- We’ve been disabled in some horrific way
- One of us has died, leaving the other to be alone in this cruel, cruel world.
So, I don’t really hope for that. But I still want them to pay!