Monday, June 18, 2007

LIFE Insurance: Is It Really Worth It?

Life insurance rates are based upon considering the statistical probability of a particular type of person dying. This is calculated based upon mortality tables, the individual's basic health information, size, age, place of residence, etc. I personally purchased $300,000 of term life insurance on a 30 year term. The cost for my policy is less than $30 per month. By the end of the 30 years, I will have paid in just over $10,000.

Let's put my life insurance policy to the scales, and consider it based upon the factors (see earlier post "Insurance: Is it REALLY Worth It? - Factors to Weigh" for a description of each of these seven factors).
  • Cost of Premiums: About $10,000 for our 30 year term $300,000 policy on my life. However, the policy we purchased is a Return of Premium policy. This type of life insurance returns 100% of the premiums paid in, if those premiums are paid in for the entire length of the term (in our case, 30 years). With my return of premium plan, I am really paying much less than it seems. The cost to me is REALLY the interest I could be gaining on the premiums if they were invested, and inflation.
  • Cost of Premiums + Deductible in Use: There is no deductible. The payout would be $300,000, regardless of how many premiums I have paid in. This means that if the policy paid out in the final month, the true return would be about $290,000 ($300,000 less the premiums paid in.
  • Expenses If the Need Arises Without Insurance: With funerals averaging over $10,000, that would be the first expense. However, the life insurance policy is purchased to cover funeral expenses, and additionally allow my wife a grieving period before having to go to work, provide for our children's care and education, etc.
  • Ability to Pay Without Insurance: At this point in life, there is no way I can provide the protection which life insurance would provide for my spouse. In the future, any protection my savings will provide can be supplemented through the protection of life insurance. A 30 year term purchased at this point and paid throughout that term provides protection for my wife and future children until after those children have reached adulthood and left home.
  • Ability to Self Insure: If the premiums are invested at 10%, the $30 a month would build to $67,814.64 over the course of the 30 years. However, it would be within the 14th year before the self-insured account would reach $10,000. This means that the ability to self-insure is really non-existent.
  • Return in Payment vs. Premiums Paid In: Unlike some types of insurance, life insurance always provides more protection then it costs.
  • Other Considerations: The peace of knowing that if I die at any time over the next 30 years my wife and children will be provided for financially is worth a lot more than the interest and inflation. This type of insurance will remove unnecessary stress if I become ill or injured.
All in all, I believe life insurance is a good purchase for us...but you have to consider the factors for your own situation. The Simple Dollar has an article that might be interesting to those considering life insurance.


syancy said...

We've gone with what Dave Ramsey teaches (I've seen this in other places as well)

8 to 10 times your annual income in 20 to 30 year level term insurance (depending on your age)

Both husbands and wives need a policy even if the wife is a stay at home mom. Think of extra food, babysitting, housecleaning, etc exepnses that would crop up if a stay at home mom were to unexpectedly pass away.

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Anyone who has dependants needs to be properly protected; by investing in a life insurance policy, you can help to ensure your family will be taken care of financially. So all in all, it's really worth it no just wasting money.

Peter said...

This type of insurance policy is one type of permanent life insurance. With a permanent policy, the insurance is designed to last as long as you pay the premiums. Whole life insurance guarantees this lifetime protection. Universal life does not have these guarantees but there is now a term life insurance quote where you can add a feature that guarantees that the insurance will last the rest of your life.

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I got to say that life insurance is an important investment. As a parent I would want to make sure my children are covered is anything should happen to me. Thats why when shopping for my Life Insurance Quote, I compared different ones to find the best deal.

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Many companies are offering their services for health insurance plan, but some of them are just scams. You should insure yourself in a company that is well known for its policies. There are many companies that target you until you sign up for the insurance plan, and leave you alone after you get registered with them. Sometimes, the hidden charges leave you alone between rocks as the insurance rates get increased and ultimately the benefits become meaningless in front of such a high rate. One can judge such kind of scams by asking the life insurance questions carefully before joining any type of policy.

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