Life Insurance

Hi,
I am 35 yrs old, married, wife 27 yrs, with 10K family income. My company has just 10K term life for free. And it will cost me 338$/yr, my wife 235$/yr to get 500K whole life insurance seperately through my employer.

Questions:
1. Is it necessary to buy extra whole life insurance?
2. If buy, how much is necessary, for me or for my wife or both?
3. Would it be better to purchase policies from other insurance companies ourselves? Is the rate by my employer competitive?
4. If I leave my employer, could I transfer these life insurance policies to my future employer?

Thanks!

所有跟帖： 

• 回複：Life Insurance -hurristorm- ♂ (632 bytes) () 11/16/2005 postreply 19:46:04

• 這些都是自己隨意, 保險=買平安. -stp- ♂ (0 bytes) () 11/16/2005 postreply 19:46:41

• 關於人壽保險 -Bodd- ♀ (952 bytes) () 11/17/2005 postreply 02:28:40

• Can you please recommend -musee- ♀ (30 bytes) () 11/17/2005 postreply 12:18:32

• 回複：Can you please recommend -nobs- ♂ (108 bytes) () 11/17/2005 postreply 16:28:23

• Yes, I am in CA. Thanks! -musee- ♀ (0 bytes) () 11/18/2005 postreply 10:59:50

• 回複：Yes, I am in CA. Thanks! -nobs- ♂ (60 bytes) () 11/18/2005 postreply 13:01:59