Life Insurance is Far Less Expensive Than You Think
On average, a $500,000 20-Year Term policy for a healthy, non-smoker costs:
30-year old male: $26 per month
30-year old female: $22 per month
40-year old male: $38 per month
40-year old female: $32 per month
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How Much Insurance Do I Need?
Financial Considerations such as the amount of debt that you owe, any child care/costs for dependents, college tuition, creating a financial cushion for your family and end of life expenses that you want to make sure are covered.
Life insurance coverage comes down to a needs-based analysis that takes stock of everything you pay for, or would need to pay for in the future. Things to consider boil down to two main categories:
Personal Considerations such as your health and age and what you can afford.
When Should I Consider Life Insurance?
Buying life insurance at a young age is certainly cost effective and a good idea as part of a sound financial plan.
When getting married, many couples revisit and update their coverage as they plan their lives together.
Parents can have better peace of mind knowing they have enough coverage for their families’ future costs like mortgages and college tuition.
Review your plan as life changes and the get the best coverage suited for your needs today.
It’s easy to apply for or change your life insurance.
Get peace of mind knowing your family is protected financially.
Be sure you are well-covered as you begin your lives together.
Buy life insurance at a young age to save the most.