Wish I'd said it at the time!

[Bomper]

Dh and I are trying to sort out Life Insurance. We went to see a broker the other day and he turned to me and said 'No offence, it's not worth including you in the policy, you haven't got a job or anything.' At the time I almost ashamedly agreed. But it annoyed me, and the more I thought about it the more I realised that if I weren't here, it would cost dh a fortune in childcare for 3 children, plus a cleaner, delivery shopping etc etc. Why just because I haven't got a 'proper' job should I be made to feel like a second class citizen? Feel like going back and having a go at him, but the moments passed really.

Grrrr on your behalf - this is just the point I was making on the Gordon Ramsay thread

My dh didn't take out insurance for me as he didn't think it a problem to cope if the worst happened to me!! I pointed out the childcare bill as he works long hours that are unpredicatable plus over nights, cleaner full-time - didn't see this as costly or a problem!!!

Should add that dh said he'd just pay this from his salary rather than use for savings.

My DH knows he couldn't cope without me, he wouldn't have a clue what to do regarding the bills, cooking, kids, school etc. But I still don't have insurance.

OMG, what a insulting thing to say.
Did you get the insurance? If you did id swop it else where.

No, chose to go elsewhere!!

outrageous! I have the same life insurance as my dh - ie LOTS - if I die the mortgage gets paid off and he has a high 6 figure sum to spend on smart holidays and loose women... ummm... actually remember that if I keel over in suspicious circumstances will you?

also rather a bizarre thing for the broker to say, after all he earns his commission on flogging you stuff so rather shot himself in the foot on that one, don'tyou think?!

The cheeky so and so, I would go else were and point out that your job shaping, caring, nurturing children for the future is more important than his sales job.

Go else were don't let him have the broker fees.

I (we) have cover on my life or incapacitation. This expires when the children are 15 and 16 (15 year policy)- it seemed ages off when taken out, but they are now 12 and 13!!! We felt that at that age (15.5 and nearly 17) they could do alot for themselves and not really need "looking after" as such. Well I hope so anyway!!!!!!

Better to be safe than sorry.

DH said that he'd be able to manage financially if anything happened to me, so wasn't going to bother including me in the life insurance. However, when I pointed out the cost of employing someone to do everything that I do and the fact that it only added a relatively small sum to the premium, he agreed that I was worth something after all.