[Watwood]

I am looking at purchasing a 30 year term life insurance policy. The monthly premium is a factor, but more importantly, I do not mind paying for quality, if there is such an option. What I mean by that is, I would like a policy that cuts out, as much as possible, the red tape and litigious b.s. that plagues so much of insurance. I’m dead, my beneficiaries are paid, simple as that.

Is there a website, or another way to best evaluate term life insurance providers? It should be noted I have access to USAA policies.


Upon death, is the policy routed through probate, or can it go directly to the beneficiaries?


What if death is not so obvious? Say I am in a coma or on life support for some reason. If it is stated in my will I would like to stay on life support for XX days, will the term life insurance still pay once the plug is pulled? In conjunction with this question, I have more or less “Cadillac” health insurance, but in the instance of a coma / life support, does health insurance foot the bill during the days in the hospital?


I would ask if you are answering these questions off of speculation, not to answer, but if you have been down this road of research, guide a brother in the right direction.


Thanks.