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Technology Stocks : All About Sun Microsystems

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To: Sonki who wrote (23411)	11/27/1999 12:45:00 AM
From: JavaGuy	Read Replies (1) of 64865

OT:Insurance Sonki, I mostly agree w/ Detail-MD. Insurance as an investment is lame. You are best off with term life only. I think 10x your salary is a good target. As for the length...if you are relatively young, as I am (31), do you think you will need life insurance when you are 50? I won't. I fully expect my port to be greater than my life policy before 10 years. So it's ten year term for me. Sure, you can always surrender a 30 year policy after 10 years, but you pay more. Even if you really want a 20 or 30 year policy, why pay for your older years now? Just renew the policy in another 10 years. 'Course, you better be in good health. :) I think a 10 year 1MM term policy for a 30 year old should be around $500 to $800/year, depending where you go. At those rates, it's pretty affordable. I checked schwab, after I bought somewhere else, and they seem to have rates on the low end. Good luck, JG

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