Best life insurance?

[CashiWaku]

Both my husband and I have life insurance through our employers, but we realized that we really should have private insurance also. (Should have realized this 10+ years ago, but can't go back and fix that now). I am 41, and he is 43. I'm completely out of my depth here, and have NO idea how to navigate this. I looked online, but am completely overwhelmed here.

Term or while life insurance? Best "bang for your buck"? I'd obviously like to get as much as we can while paying the least amount.

Anyone, help?

[GeryDvery]

My first piece of advice is to make use of the resources available to you.

[BattMaclaren]

It's a scary thing to realize in your forties. However, there're still many options for you. I also realized I needed private insurance at the age of 35, and I decided to search for the best variant with my friends, who were more competent in this topic due to their education. She suggested me this option ibgportland.com , and I've been on it since. I got into the hospital twice since that time, and every time it covered the expenses smoothly, including when I severely broke my leg and back and had to get professional treatment at the hospital for more than a month. I feel pretty safe now, and I'm sure my retirement won't give me troubles the insurance can't cover

[alex123]

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[BostonMills]

When it comes to term vs. whole life, it's like comparing apples and oranges. Term's cheaper upfront, while whole life's got that long-term investment vibe.

[DarienKnapp]

I think that for the "bang for your buck," it's all about finding that sweet spot between coverage and cost. Term insurance might give you more coverage for less dough, but it's temporary. Whole life's pricier, but it's like a lifelong safety net for your fam.
I've been pondering life insurance myself lately, you know, just to make sure my loved ones are sorted if anything goes pear-shaped. Came across this site, Pure Cover, during my search. Might be worth a look: https://purecover.co.uk/
Well, life's complicated enough without having to stress about insurance.