Saturday, March 10, 2007

To live or die that is the question?

We've learned quite the lessons over the past few months when it comes to life insurance.

Just a few weeks ago we looked to increase Margot's life insurance through State Farm since she's the one who makes the main source of income we figured that we should probably increase so that if anything ever happened Graem and I would be taken care of financially.

They sent out a nurse to do a physical and although Margot's physically fit and we thought she'd be eligible for non-smoker insurance and non-medical insurance - she wasn't!

They want to charge $405 per year for a 31 year old to have $200,000 worth of coverage all because she has asthma! It's not like her asthma is severe or life threatening.

To say the least we passed on the offer. However, one option that we are looking at is through FinancialOne.com. They offer an easy to use website and you can search for policies right on the front page.

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