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patio11's profile
Patrick McKenzie
Patrick McKenzie
Patrick McKenzie
@patio11

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Patrick McKenzie

@patio11

I work for the Internet, at @stripe, mostly on accelerating startups. Opinions here are my own.

東京都 Tokyo
kalzumeus.com
Joined February 2009

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    Patrick McKenzie‏ @patio11 14 Mar 2016
    • Report Tweet
    • Report NetzDG Violation

    Yearly reminder: if you are married, have children, or otherwise have dependents, and you are not loaded, you need term life insurance.

    9:24 AM - 14 Mar 2016
    • 11 Retweets
    • 27 Likes
    • Scott Arciszewski paul shinn John Locke Eric Lubisse Şükrü Hasdemir 🐼 Brandondud Chris Fidao evan j
    7 replies 11 retweets 27 likes
      1. New conversation
      2. Patrick McKenzie‏ @patio11 14 Mar 2016
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        Replying to @patio11

        It costs about $50 a month or so per $500k in your 30s and takes approximately 10 minutes of paperwork and a quick doc visit to get.

        4 replies 1 retweet 5 likes
      3. Patrick McKenzie‏ @patio11 14 Mar 2016
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        Replying to @patio11

        You should also either bump up or add a new policy if your family situation changes such that you have more dependents.

        1 reply 0 retweets 0 likes
      4. 1 more reply
      1. New conversation
      2. Dan Moore‏ @mooreds 14 Mar 2016
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        Replying to @patio11

        @patio11 don't forget to look into disability insurance too.

        1 reply 0 retweets 0 likes
      3. Patrick McKenzie‏ @patio11 14 Mar 2016
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        Replying to @mooreds

        @mooreds This is a thing I would like to have, but I'm unsure how to buy it such that it would pay out when I think it should pay out.

        1 reply 0 retweets 0 likes
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      2. David N. Welton‏ @davidnwelton 14 Mar 2016
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        Replying to @patio11

        @patio11 for the sake of argument: http://www.mrmoneymustache.com/2011/06/02/insurance-a-tax-on-people-who-are-bad-at-math/ …

        1 reply 0 retweets 0 likes
      3. Patrick McKenzie‏ @patio11 14 Mar 2016
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        Replying to @davidnwelton

        @davidnwelton I'm at ground zero for overinsurance, but a term life policy on the household's breadwinner is one that really makes sense.

        1 reply 0 retweets 0 likes
      4. 1 more reply
      1. Andrew Burke‏ @ajlburke 14 Mar 2016
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        Replying to @patio11

        @patio11 so true. My father had good term life insurance at his untimely death in his 40s. Saved us a lot of trouble & paid for my education

        0 replies 0 retweets 0 likes
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      1. Chad Gorshing‏ @cgorshing 14 Mar 2016
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        Replying to @patio11

        @patio11 kudos for this - totally agree. I got mine when I was ~31. Glad I did it. Plus I keep it at 10x my salary

        0 replies 0 retweets 0 likes
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      1. Shashikant Kore‏ @kshashi 14 Mar 2016
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        Replying to @patio11

        @patio11 not sure how much of a concern it is in US/Japan, but in India buying it from company with low claim repudiation rate is important.

        0 replies 0 retweets 0 likes
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      1. New conversation
      2. Tekin Süleyman‏ @tekin 14 Mar 2016
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        Replying to @patio11

        @patio11 Also a will. Dying without one can leave a whole heap of mess for loved ones, especially dependents left without parents.

        1 reply 0 retweets 0 likes
      3. Graham Ashton‏ @grahamashton 14 Mar 2016
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        Replying to @tekin

        @tekin Always marketing. :thumbsup: ;-)

        0 replies 0 retweets 0 likes
      4. End of conversation

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