This is single best financial optimization most geeks of my acquaintance have not done yet.https://twitter.com/dvassallo/status/1214701616579764224 …
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"Major changes in obligations?" Examples might include "I see line of sight to being responsible for my parents' upkeep in their retirement years" or "I have been awarded options which would have a material exercise cost."
(That and "I run a closely held business" are close to magic words for getting coverage approved assuming your core risk(s) are underwritable.)
"Why do underwriters care how much coverage I have relative to my income?" They're worried about adverse selection. Purpose of term life is protecting future earnings; saying "I want way more than future earnings" suggests either a) you know more than them re: your health or b)
Well, b is that you or potentially someone else has plans that your insurer should not encourage. If you have specific cash needs which aren't naturally reflected in your future earnings, though, underwriters are very willing to accommodate those, particularly if documented.
n.b. Feel free to Dangerous Professional your way through "documented": "Here's proof of employment by a tech company." "And can I see the options paperwork." "That's private."
While you're at it. Get long term disability while you're young and healthy. It is a perk most small startups don't offer and it is dirt cheap. If you work at FAANG now, it'll buy you tons of peace of mind when you venture out on your own.
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