Originally Posted by Totoro
Person: Of course, you would need disability insurance in case you can't work anymore.
Me: No, I'm good.
Person: Are you sure? What if you can't work another day in your life?
Me: I think I'm good.
Person: *confused look*
Me: ... I can solve it by moving to my home country. I have some arrangements there. Family and stuff.
And we left it at that.
That's me talking to my insurance agent about life insurance.
"Gee, you got 3 kids and a wife to look after. Don't you think you ought to come in and sit down and talk about taking care of your needs? Term policies are very affordable these days."
"No, I'm good. SS survivor's benefits are enough to keep them in the house and well fed. And we have some means saved up already.
" I'm not sure if he's looked at our file and figured out both of us are listed as "pleasure" for primary driving purpose and profession is "retired" and we are in our 30's.
I've been emailing him again today about why we don't need comprehensive and collision on our $8000 minivan (rarely drive it since we don't work and can easily afford the $7000 expense after deductible).