ST Alpha - "I'd keep yours. If you try to get that much again you will end up paying more. And hopefully you will find someone eventually to be your beneficiary." (Reading a Post)

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In response to "Well what are you offering in exchange :)" by Capstern (41 Days)

I'd keep yours. If you try to get that much again you will end up paying more. And hopefully you will find someone eventually to be your beneficiary.

Posted by sycor Sep 13 '11, 09:51

Plus, you should have some to help pay for your funeral costs. Otherwise your friends and family will foot the bill.

Responses:

That is true. I got it like 8 years ago and I should never need a phsyical again unless I try to change it. - Capstern (41 Days) Sep 13, 09:53 9
- your work coverage is likely subsidized. I'd keep that as well. how much can it cost; $6 per month? -- nm - HPV McGee Sep 13, 09:55 5
  - It is subsidized but I think my extra 750K at work is like 66 a month or something like that - have to look but I know its more than 60 -- nm - Capstern (41 Days) Sep 13, 09:55 4
    - you can probably reduce the amount of coverage you need without cancelling it altogether to save some money. -- nm - znufrii Sep 13, 09:56 1
      - Well with what I am reading no reason to NOT cancel the work insurance but keep the cheaper private insurance -- nm - Capstern (41 Days) Sep 13, 10:06
    - my mind just exploded. who would elect that kind of coverage? -- nm - HPV McGee Sep 13, 09:56 1
      - At the time, I was married and I wanted to carry as close to 2M as I could. If I died there was no way she - Capstern (41 Days) Sep 13, 10:02
- Just make ST your beneficiary in the meantime :) -- nm - znufrii Sep 13, 09:54 2
  - I had thought about leaving it to a friend I trust as executor of my estate to help my mom and my daughter and then give to charity - Capstern (41 Days) Sep 13, 09:56 1
    - you don't leave it *to* your friend, you leave it to the people you want to have it. give it to your mother. -- nm - Andie Sep 13, 09:58

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