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tlc289 | Increase the coverage for my wife's life insurance policy? |
We get our life insurance at a group policy rate, so it's relatively inexpensive. Problem is, she doesn't see the need for her coverage to be equal to mine (mine equates to 4-5x my salary if I die). When I even begin talking about "upping" her coverage, she goes into this tyrade about "... are you WANTING me to die or something so you can collect?" We do fine financially, so I would probably be okay if something were to happen to her.
Here's my question: since she and my children would benefit if something happened to me (mortgage paid off, private college for our kids & the rest of her life is financially comfortable), why shouldn't I be able to benefit if something were to happen to her?
Any advice is appreciated. |
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mbrcatz
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Any advice, huh. OK, here's my advice from a wife's point of view:
Bring her flowers, and court her again. Sounds like she's feeling insecure or unappreciated in the marriage. Take her on a date once in a while, with NO KIDS!!
Let her know exactly how IRREPLACABLE she is. I don't know if she works outside the home or not, but even if she "goes", you're going to want the kids in school, right? How about, are you going to want them FED? You'll need a housekeeper, likely, someone to come in and cook & clean and run errands and such. And as long as it's GROUP RATES, well, you won't be able to insure her for as much as you're insuring you, if she's the spouse, but you want to max her out as long as a company is picking up a portion of the tab. So it's kinda nuts NOT to max out the life insurance.
Heck, I know my husband is nuts about me, and I want him and the kids to have AT LEAST as good a lifestyle after I'm gone. And I want him to not be worrying about money stuff, and be able to spend extra time and attention on the kids.
So unless she's just joking about the death thing, I think there's a security issue underlying here . .. an EMOTIONAL one, not a financial one. |
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Insurance
 |
your wife may need to hear from an insurance advisor. sometimes getting an advice from a third party may help, even the agent is saying the same thing.
4-5 times of the annual salary is quite a good coverage, LIMRA recommended 60 months. so yours is quite close
tell her that no one will actually benefits from loss of life. what if permanent disability and not death? Medical bill and getting someone to take care of a disabled person may require lots of $$$$$. In this scenario if she can't work and require medical attention, 4-5x of salary may not be enough.
Since both of you are working, meaning there are 2 sources of income. Will your current commitement, lifestyle , expenses, college saving ? and etc be affected. WIll the children future be affected ?
Find a right time and discuss with her.
As I mentioned earlier, get an qualified agent to assist you in this matter |
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Belle
 |
I would say in a nice way that I do not her to die anymore than she wants you to die. That the policy is there to guarantee that the children's lifestyle can continue (as much as reasonably possible) unchanged in the event of a death.
If there is not enough money to replace her duties (household duties, homework assistance, etc), you may feel pressured to remarry just to have that assistance. In the event of her death, you would greatly benefit from having the luxury of taking a month or two off to make arrangements & console the children. |
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Susan C
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Most insurance people have always recommended that the man have more coverage than the woman since he has always been the primary breadwinner in the family. Times have changed. The question I have for you is how old are your children? If she passed away, the children would need a full time nanny or childcare to replace the job she does now. They are still gonna need college, financial help, etc... You should sit down with an insurance professional and have them do a worksheet showing her how much money you would need to maintain the life the two of you have built for your family. If she is worried that you will be living high on the hog, and get married and use that money on your new wife, have her leave the upped amount to the kids or another person that she trusts to spend that money on the children's needs. Most Americans with children are underinsured by about $300K in the lifeinsurance department. Neither of you should be suffering more than the emotional loss when one of you dies. But the life insurance you have now, certainly would not move either of you to a mansion in the hills, just let you keep the lifestyle you have worked so hard for. She is being selfish. |
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butch
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put to this way - god forbid she goes first - would you (hubby) be able to afford to send the kids to college- would there be any unforseen expenses upon her passing |
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aaron p
 |
This is a marriage question, not a life insurance question. But since you asked in this forum, I would like to point out that your current coverage may be more expensive than getting your own private policy BECAUSE you get it at group rates.
Think about it, if you are healthy and your co-workers aren't you have pooled your risk with theirs. Group policies are priced with the expectation that they accept more adverse risk. Even if you are not very healthy or older than the average employee, you might still benefit from taking a quick look.
Good luck with the marriage thing. |
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