Insurance rates

[test123]

I am thinking of buying insurance and want to know what typical rates are. Fully employed, 100% healthy young male.

Types of insurances:
Life, $$$ payout after death to spouse.
Disabled, $$$ yearly payout until I am 67 years old.

So these are the numbers I need:
premium as % of total income, and payouts as % of total income.

What I found so far:
Disabled: 0.9% yearly premium (of my total income) will give me 27.3% yearly payouts (of my total income).
Life: 0.45% yearly premium (of my total income) will give my spouse a 200% (of my total income) one time payout.

Are these bad, avarage or good numbers?

[Dantrag]

edit: nvm, i'll try and do math when I'm actually awake.

[Mikus]

You can go to websites like insureme.com, lowermybills.com, etc and get a range of quotes from competing companies. you will get phone calls, but you should also get emails with the quotes.

If you are serious you would be better off going to an agents office and having a conversation with someone. You also get discounts for having multiple lines(car+life, car+home). Other things taken into consideration can be your specific job and what risks are involved with it, family health history, spouse's history, etc etc. When dealing with life and health, it's not as simple as someone saying "I'm X...what should my rate be?".

With Life there are so many options and you really do want to look deeper into it. I'm a big fan of Universal Life but it costs a little more. It's an excellent product to build some extra money for down the road. I currently have a $50,000 benefit payout at $21/month. I'm a 30 year old male. After 1 year, I will convert it to a Universal Life product. Lowest my companies interest rate has been is 2.25% and as high as 5%.

[tyven]

I am thinking of buying insurance and want to know what typical rates are. Fully employed, 100% healthy young male.

Types of insurances:
Life, $$$ payout after death to spouse.
Disabled, $$$ yearly payout until I am 67 years old.

So these are the numbers I need:
premium as % of total income, and payouts as % of total income.

What I found so far:
Disabled: 0.9% yearly premium (of my total income) will give me 27.3% yearly payouts (of my total income).
Life: 0.45% yearly premium (of my total income) will give my spouse a 200% (of my total income) one time payout.

Are these bad, avarage or good numbers?

what city and state do you live in?

[test123]

Europe I want a comparison with wherever.
Also, desk work.

[Dantrag]

I get $50k in life insurance for free through my employer. Single person's health insurance is $45 a paycheck or so. No idea where to look in Europe though lol.

[tyven]

Europe I want a comparison with wherever.
Also, desk work.

oh man idk how your socialist state works.

[foopy]

How old are you?

Do you smoke?


30 yr old non smoker


$100,000 whole life policy, with a cash value of $39,000 at 65 yrs old:

$67.50 a month for a male, $58.75 for a female.

[Ddz]

Check out Aflac. They have all kinds of plans at really good rates, and they actually PAY YOU, not your doctors, for your bills. You make the claim, you pay your bills as you wish.