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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I work for the Internet, at @stripe, mostly on accelerating startups. Opinions here are my own.
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Patrick McKenzie Retweeted Daniel Vassallo
This is single best financial optimization most geeks of my acquaintance have not done yet.https://twitter.com/dvassallo/status/1214701616579764224 …
Patrick McKenzie added,
"I think I have life insurance through work?" Get private insurance anyhow. A lot of the black swans that can hit young, healthy people will make you uninsurable in later years of the policy you could get now and/or will make you want to quit to spend limited time w/ family.
"I have like a million dollars of it, thanks." The marginal cost of the second and third million dollars are very small next to your monthly income, you're presently underinsured relative to your earning power, and your heirs will not regret the extra money in event they need it
Also make sure to either layer on a new policy or get new policy for X+Y then cancel existing one when your circumstances change as a result of (most prominently for geeks of my acquaintance) marriage, childbirth, or major changes in obligations.
"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."
n.b. You can totally say, in a conversation with an underwriter:
You: I want $X million in coverage.
Underwriter: Per guidelines, based on your income, we think $Y should be sufficient.
You: I work in tech and feel I have a likelihood of eventually having options exercise cost.
are you using a US-based provider for your private coverage? any recommendations?
I have term life in both Japan and the US. US side was through https://www.ethoslife.com/ ; thoroughly satisfied with experience. (They were willing to do $1M without a medical exam, which is helpful since logistics of a US medical exam tricky for me.)
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