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How can my husband open a life insurance policy?

We recently found out we are expecting a baby and need to open a life insurance policy in case something would happen to him so we'd be taken care of. We have insurance that is paid for by his employer. How do we go about getting life insurance? Is it added to our existing medical insurance, or can we get it separately?

Public Comments

1. Your husband's work may allow him to purchase additional life insurance that is usually done in multiples of his salary. You or he could also purchase a personal policy through an insurance agent. I would suggest an independent agent that could shop various different types of life insurance policies with a variety of companies. Let them do the work for you. Your best bet is to ask loved ones or people you trust how they purchased their life insurance and hopefully they will be able to put you in touch with a trustworthy agent. If you don't want to do that or it doesn't work feel free to ask me. Please let me know if you have any questions.
2. Yes, you may be able to purchase additional insurance through your husbands work. Though it is probably only be a term policy they offer. If you are looking for life time coverage you would be better off with a whole life or a universal life policy. Some medical insurance companies do offer insurance but you would be better off checking with a broker that handles multiple companies. Andrew Florida Affordable Insurance, Inc.
3. The best way to get life insurance is by checking out comparison websites to compare some life insurance policies then contact them to discuss it further. Try http://theycompare.co.uk and http://confused.com
4. I have good information about life insurance. you please come to my blog and I am sure you find what you're looking for
5. Go talk to a local agent. It's a seperate policy.
6. Try this site to find the best life insurance policy http://best-life-insurance-usa.blogspot.com/ Here you can get quotes from different life insurance companies in your area, its the best way to find an affordable life insurance with a reliable company. You can buy a separate life insurance policy on your own, in addition to requesting life insurance from your employer, if they offer it. To get your own life insurance policy you can contact a local life insurance agent, or visit a life insurance quote service to request free life insurance quote comparisons online from several insurers. Term life insurance offers you temporary life insurance for 1-30 years. It costs much less than permanent life insurance, because it is temporary, and builds no cash value within the policy. Many young families choose 10, 20, or 30 year level term life insurance because it offers the most coverage at the lowest cost. Level term life insurance provides coverage and premiums that remain the same each year for up to 30 years. If you want, you can request life insurance from your employer, but you may have to pay for it, and if you leave your company, or get laid off, the group term life insurance plan ends. You may be able to convert it to a permanent life insurance plan, but it would cost you a lot more. And, if you waited until later to get your own life insurance policy, you may not be able to qualify for coverage if you develop a health condition. You may want to consider a term life insurance policy for you and your husband. Imagine what it would cost to replace everything you do for your family, and will be doing for your growing family once you have a child. Bets of luck to you and your husband. And, Congratulations!!!