So I am in TN and I see this as a good thing! He's a carpetbagger having just moved here 18 months ago and hasn't voted or followed all other requirements in order to be eligible to run. Trying to force the law to bend for him is not a good look. He would NOT win. He needs to stop trying to force himself on us!
I've been in life ins for 25 years...
If you have a family, there is not excuse not to have it. It's not free to bury you. Term is fine. If you can afford it, permanent would be better because it does not expire unless you quit paying for it. But, most term plans have a product that you can convert the term to at the end of the term that is a permanent plan. The best policy to have is the one that's inforce when you need it, no matter the product.
You want to buy enough to pay off your debts as well as provide income to your survivors. A general rule of thumb is 10 times your annual income.
Unfortunately, there are some scammers in this business but most are not. I would advise not going to a State Farm, Allstate, Farmers or any other carrier company. Find an independent agent that can get you the best rate.
I'm happy to answer any questions you have..
I'd be happy to! Life ins rates are based on age, sex, and health history. There are several carriers you can choose from depending on those factors. The more negative factors, the choices narrow. So, the best carrier for the best rates is whoever comes in the cheapest (assuming term insurance here and now whole life, etc.)...a term plan is a term plan, is a term plan. If you have some health concerns there's still several carriers that will write you for more premium. The carriers for us right now that have the best rates are Banner Life(Legal & General is the name of parent company), Cincinnati Life and Lincoln Financial. If you want to work with an agent I can find one for you in your area; just DM me where you are if you don't want it out here. Or if you're not keen on an agent, you can also call SelectQuote. They have the same companies we do and they handle it all online. Just be careful of a bait & switch with them...mostly the premium is probably not going to be what they tell you.
Happy to answer any questions...
As someone who has been in the life insurance business for 25 years, I can tell you they will have to pay. It is a legal contract and once it's passed the 2 year contestability clause (this clause is in ALL life insurance contracts, it gives them the right to investigate the death), they cannot refuse to pay for any reason. Now, that doesn't mean that they can't change the language of the contract for future policies but I haven't heard any rumblings of they might do that at this point. Just giving my 2 cents...😁
Sure! Look what they were able to do without a single bullet...neighbor afraid of neighbor, parents afraid of their children, loss of friendships over differing opinions, hundreds of thousands of deaths because of our government (I'm looking at YOU Dr. Fraudci!) disallowing Hydroxychloroquine! I'd say they have done a whole lot of damage!
There isn't one. It's Jim Cooper's seat that he is not running again for. It has now been split up into 3 seats. There's not a MAGA (necessarily) candidate running but there's some that are definitely better than Robbie. He is embarrassing himself to the point that he will never be able to run and win again.