Cannot bang this drum enough; if you're not already rich you should have term life and *probably* private long-term disability.https://twitter.com/__shale__/status/858914592331714561 …
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Replying to @patio11
I have talked to enough geeks over the years that actuarial realities come into play. Take the two hours to get term life accomplished.
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Replying to @patio11
Any order of magnitude idea of disability insurance cost?
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Replying to @tnorthcutt
+/- 1.5~2% of your current income for a benefit worth 60% of your current income, assuming healthy 30 something in IT.
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Replying to @patio11 @tnorthcutt
There are a LOT of levers there, though. (And I think my cost is higher than normal because of the international curve balls.)
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Replying to @patio11
Cool, thanks. Did some online quotes and that seems right. Why is coverage capped?
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Adverse selection/malingering; insurance companies don't want someone to either decide to not work or be incentivized to lengthen non-work.
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