Missy...getting life insurance on them at there age and with them smoking will run them a ton!!!!!!!! I know my boss just took out some more life insurance on him and he doesn't smoke and it cost him $237.00 a month. He had to go through the questionaire, blood drawl, and a physcial. I know when I got mine and Dan got his we had to do the same thing. They check you for all sorts of thing. Its better if you get it when you are young. Mine and Dans was $204.00 a year for $100,000. and then that includes $10,000 on each kid too. Dan has three different policies. Two are at work. I had never had any and thought it was wise. I still need to do a will too. I hate the tought of that but when you have kids you should. It all just seem so morbid. My problem is in my will if something happened to me and Dan, I wouldnt want my kids to go to any of my family memembers.....lol |