for all the advice.
Here are the details that some of you requested.
My dinky little car is a 2002 Ford Focus Wagon w/ 55k on it and all paid up, no accidents so far. We just have one car.
31 yr old software engineer married to 25 yr old teacher in the making. No known health issues (unless I sprain my wrists/back trying to learn olympic lifts)
Assets - I don't have any debt
besides that I am pretty much broke, no home yet (may be in 2 -3 yrs).
The main driving factor is that we are planning to have a kid sometime next year and I am all freaked about it
(just financially though..i think) I just want to make sure that i have the right kind and right amount of insurance to take care of the family.
Also, my company is going to be offering a group Short Term Disability and Long Term Disability (the insurance firm - www.TheHartfordAtWork.com
) and I wanted to make sure I do my homework and understand the basics. Checking the site the insurance site out they do provide Life insurance too but I couldn't figure out whether it was cash value or term or anything.