LogFAQs > #954665178

Riptor posted...

That $1k was an estimate for the total amount paid during his tenure with this current job. At his $20/month rate, I ballparked 4-5 years at the job. Could wind up being more, could wind up being way less. Either way, 1k isn't a ton of money over that span of time, compared to how much the difference could be if he ages into a different bracket, or develops a medical condition, by the time he has to get separate insurance again.

You're both assuming that:
A) he doesn't keep this job forever (which admittedly is a fair assessment, considering the work)
B) that his next job doesn't also offer free life insurance.

The majority of companies offer free or subsidized life insurance alongside their other insurances. I guess if we wanted to go out to a point C, there is a chance he might never need life insurance at all. Most specifically, life insurance is an essential if you have kids, but not everybody is having kids these days. It can be a benefit if you have a spouse, but it's far less of a benefit unless only one partner is working which, again, doesn't happen nearly as much any more (and even marriage is becoming less common)

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