How Much Term Insurance Do I Need?

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Опубликовано:

17 сен 2022

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Комментарии : 136

@Nikkisweeets Год назад

As a 39 year old widow who’s 40 year husband just died a month ago. Pleassssse, get the highest amount of life insurance that your job lets you elect. Not just for funeral expenses, but there is so many other things you have to pay for and do when someone passes away. Im so thankful my husband got the highest amount when he selected a policy with his job. I was shocked and so incredibly grateful he chose the 250k policy!!!

@imveryhungry112 Год назад

if i was married to a woman ide get at least 250k. We have to because , it really sucks, but for some reason men just dont live as long in general.

@tonypeters3320 Год назад

I'm so sorry for your loss. 40 is so young. Prayers to you and all who knew him.

@NuttedInYoMom Год назад

@@tonypeters3320 look into real estate investing Tony u can do it 👍

@tonypeters3320 Год назад

@@NuttedInYoMom I already invest in real estate 😆.

@cmale123 6 месяцев назад

I couldn't believe you and your husband trusted this guy in finance. This guy is the worst finance person go to about it

@stevengtv Год назад

In my head Dave said “I hardly seen the inside of a hospital unless I worked there” 😂

@thenewwayhome Год назад

He always gives straightforward pieces of advice by asking what your current situation or health condition is. Love the no-nonsense talk!

@Trina.b00 5 месяцев назад

Im so glad you are explaining this. I wasn't really taught much about this and was so lost.

@huskiefan06 Год назад

It should be spelled "too."

@mariosencario Год назад

'it is to much insurance that I blame my lack of money' Maybe? :D

@huskiefan06 Год назад

@@mariosencario 😂

@reese85 Год назад

Here goes the spelling police again!

@delvedigital9411 Год назад

@@reese85 If he or his team can't spell, why would I listen to his financial advice?

@reese85 Год назад

@@delvedigital9411 there advice has nothing to do with how they spell!

@soundpreacher Год назад

A toast: To much insurance!

@davidtrejo7509 Год назад

I still don't understand life insurance 😭

@barneymerrill3188 Год назад

You can thank Art Williams for the Term Insurance you can get today...prior to him, the insurance industry kept a stranglehold on the policy offerings by keeping term out of the equation! Hence: Converting Term Insurance to a cash value policy was called conversion... Converting a cash value policy to Term was called Twisting! They MADE their money by selling you the over priced cash value policies! Term Insurance Rules!👍🤠

@mikegiovenco8772 Год назад

Exactly what we were looking for thank you!

@lisanewhouse2101 Месяц назад

Hi sir, for someone in their 60s good health no smoker would you recommend 20 year or 30 year policy?Thank you

@cardikleeber4890 9 месяцев назад

I love how they crack jokes back and forth. "That sounds like that came from experience" 😂

@brendagreen7244 Год назад

My husband was 60 when we went to Zander for term life. It is $414 per month That is high for us

@MrTmenzo Год назад

No Durr 60 is old and higher risk for insurance companies.

@ghjong001 Год назад

Why are you buying life insurance at 60?

@jimhandler1129 Год назад

@@ghjong001 When would you stop? I'm 60 now and debating whether to renew my policy as they want to increase it by 50%

@tfh-rw9vb Год назад

Too*

@tomsassurance Год назад

I agree with Dave on almost everything. As an insurance agent I find many people in their 60's and late 50's needing life insurance and no longer being insurable. People do not invest the difference between whole life and term.

@scarpfish Год назад

I invest the difference and then some. I only have kept my ULI because I got it in my 20's when the premium was cheap. I tripled my coverage with a 20 year term policy to get me through to retirement.

@cmale123 6 месяцев назад

They are insurable. You just don't know how.

@JustinCase780 Год назад

They were using tables from the 1940's ? Oh my. In the 1950's almost 50% of people smoked. Now it's just slightly north of 10%

@iamthomasgreenman Год назад

Oof. I to worry about insurance prices.

@andrewguitarlesson Год назад

*Too

@jimhandler1129 Год назад

When do I stop term life insurance? If I'm 60 & only my wife relies on my income with a 1.5M net worth, do I stop my $250K policy?

@sethwittrup9688 5 месяцев назад

A young guy asks the question and gets an old guy and a middle aged guys response perfect.

@2377962759 Год назад

how do I invest money in the mutual fund?

@user-kf3eg2tr4m Год назад

*too

@danbrown7224 8 месяцев назад

I woy love to see these mutuals funds dave talks about that have been returning 10 percent

@cornelldsinclair 7 месяцев назад

I can show you. Multiple funds in multiple fund families. Where do you invest?

@CallHerCassie Год назад

High interest rates right now will help drive down rates too

@unfairsanic5089 Год назад

Then dont go into debt lolz

@bushy240 Год назад

30+ yrs ago, my employer's benefit insurance had a 200k policy for $15 per mos. Done Later being disabled from working, my policy continues premium free until 65yrs old.

@maryannnavoa4777 10 месяцев назад

Hello what company y’all recommend for term life insurance? Thank you

@cornelldsinclair 7 месяцев назад

Primerica

@Jdl_01 6 месяцев назад

Zanders term life insurance its ramsey approved

@brande2614 Месяц назад

What is 100% self insured

@noecazares2144 Год назад

So a mutual fund can give you 10% a year? Even in this recession?

@jimhandler1129 Год назад

It's an average

@nancydee6106 Год назад

Where is there a video that makes all of this makes sense??

@sanjaypatelmd4669 Год назад

why don’t you buy for twenty years and save up few million dollars by the time you are 45 then no need for insurance

@malikking7047 Год назад

Life insurance coverage is so much more than just paying off debt. He is not considering this. If I am 25 and get a 20 year term and think because I have no debt and a million in the bank I am a fool. You should have terms that covers you until you retire. Someone is still dependent on your income and we are talking about a lifetime of giving that is also lost. Wouldn’t you want your wife to let that million sit and grow until she is ready to retire? Always go with the 30 year term if you can afford it and consider an additional later to make sure you have coverage until retirement.

@cmale123 6 месяцев назад

Where do you get this advice from

@MAMP Год назад

Dave’s most popular video ever as people scramble to react to the bad thumbnail.

@NEWLILLYHOT Год назад

Too

@jevs402 Год назад

I agree with Tom Watson on this.

@jerrymiller8313 4 месяца назад

We are in our 70s and dropped all our term because all my debt is long gone. Our income is from investments so the only thing that would happen is she would be better off because she won't have to feed me anymore.

@abeaboud272 Год назад

OMG... IT'S TOO, TOO, TOO!

@buddyrye9190 Год назад

You guys are two much. 😂

@KodeLiMe Год назад

Yikes, please correct the spelling and the thumbnail!

@adrianwhitmire5270 Год назад

Wait a second. I may have missed it but I didn’t hear any information on how to choose the amount of life insurance. I heard them discussing the duration of the policy but not how to choose how much.

@excapeplan1282 Год назад

10 times your annual income.

@fauxbro1983 Год назад

*tew

@MuzixMaker Год назад

Dave’s farming out thumbnails to lowest offshore bidder.

@andyyoung6246 Год назад

You don't have to be a grammar nerd to know the difference. The words "to" and "too" have two different meanings. Its just effective communication to spell correctly. ..Its all about talking good American.

@alinatamashevich3354 Год назад

Warning grammar police

@Afroteli 4 месяца назад

@@alinatamashevich3354 The irony is that many of these grammar police make a mistake themselves. I think he meant "It's* just effective"

@alinatamashevich3354 4 месяца назад

@@AfroteliCorrect! That is why I hire someone for that menial work

@derangedprotege8624 Год назад

Smart Investor Pro lol

@ManInTheTimes Год назад

*Two

@janelleg597 Год назад

TOO

@TheDjcarter1966 4 месяца назад

But a 30 year policy for $500k its probably $30-40/month. Listen to a few horror stories a wives who lost there husbands young. Then after kids assuming your income is increasing get another policy like Dave said. But longer the better

@jimmymcgill6778 Год назад

The older you get, the more expensive it will be. If things change, you can always add on.

@JustinCase780 Год назад

Thanks for the recap. 🤣

@alinatamashevich3354 Год назад

@@JustinCase780 Jimmy thinks he is smarter than Dave

@JustinCase780 Год назад

@@alinatamashevich3354 Yep. 🤣 Jimmy Numbnuts

@alinatamashevich3354 Год назад

@@JustinCase780 I have a standing offer of a Hundo, for him to call in and take Dave to task, to date ....crickets.

@JustinCase780 Год назад

@@alinatamashevich3354 🤣🤣🤣

@dannyk1980 Год назад

Not a good look when your RU-vid title screen has a misspelling

@reese85 Год назад

It’s really not that serious

@dannyk1980 Год назад

@@reese85 it’s really quite embarrassing

@reese85 Год назад

@@dannyk1980 y’all be focusing on the wrong thing! A spelling error is far from a big deal! I’m sure your not the greatest at it

@dannyk1980 Год назад

@@reese85 *you’re

@reese85 Год назад

@@dannyk1980 man y’all crazy!

@herbiehusker1889 Год назад

Maybe hire a new guy to do the thumbnails. I can see education has failed him/her/zim/zer.

@username9999 Год назад

Look at all the comments they are getting. That is excellent social media skills!

@darrend9313 9 месяцев назад

Just buy a whole life policy at age 25 and have coverage the rest of your life, if you don't need it to cover pre-mature death, then it is a great estate tool that you pass to your kids or favorite charity.

@itsme7285 Месяц назад

that co-host is 23??!? Damn yall wyp aging fast LOL!

@jgtech773 6 месяцев назад

Saves you on cigarettes for sure

@TehArtfulDodger Год назад

Grammar error in the thumbnail, should read too much not to much

@lukeharris2622 Год назад

✝️🙏

@johnsanchez5204 3 месяца назад

How can l, Personally, Cash-ln, On, and Use my, Own, Life-lnsurance, Money, For myself, After l die, Please? I wanna live in Luxury and Party, Like there's no Tomorrow! :D

@johnd7304 2 месяца назад

Josiah should be talking with a qualified life insurance agent not this charlatan who goes by the name of Dave Ramsey.

@lordjael Год назад

I’m surprised this grammatical error slipped past Dave’s social media team. This is a grave error and someone needs to not be fired, but demoted. Like what?