{"id":918,"date":"2018-06-08T10:20:43","date_gmt":"2018-06-08T17:20:43","guid":{"rendered":"https:\/\/ogbornelaw.com\/?p=918"},"modified":"2023-07-24T17:50:24","modified_gmt":"2023-07-24T17:50:24","slug":"do-you-really-need-life-insurance-2","status":"publish","type":"post","link":"https:\/\/webtechs-designs.com\/2023Ogborne\/do-you-really-need-life-insurance-2\/","title":{"rendered":"Do you really need life insurance?"},"content":{"rendered":"<p>Life insurance is an emotional part of estate planning we might rather ignore. Many people feel the word \u201cestate\u201d is too large to encompass their assets. However, estate planning is a valuable process at any age or stage of life.<\/p>\n<p><em>Even a single person will want to have a life insurance policy to cover outstanding debts and funeral expenses. By starting young, you only have to build on the foundation you\u2019ve laid.<\/em> &#8211;<a href=\"https:\/\/ogbornelaw.com\/when-estate-planning\/\" rel=\"noopener\" data-cke-saved-href=\"https:\/\/ogbornelaw.com\/when-estate-planning\/\">Michelle Ogborne<\/a><\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_76 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/webtechs-designs.com\/2023Ogborne\/do-you-really-need-life-insurance-2\/#What_is_Life_Insurance\" >What is Life Insurance?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/webtechs-designs.com\/2023Ogborne\/do-you-really-need-life-insurance-2\/#Should_I_Buy_Life_Insurance\" >Should I Buy Life Insurance?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/webtechs-designs.com\/2023Ogborne\/do-you-really-need-life-insurance-2\/#When_You_Need_Life_Insurance\" >When You Need Life Insurance<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/webtechs-designs.com\/2023Ogborne\/do-you-really-need-life-insurance-2\/#You_May_Need_Life_Insurance_if_You%E2%80%A6\" >You May Need Life Insurance if You\u2026<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/webtechs-designs.com\/2023Ogborne\/do-you-really-need-life-insurance-2\/#Ogborne_Law_Estate_Planning_Services\" >Ogborne Law Estate Planning Services<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"What_is_Life_Insurance\"><\/span>What is Life Insurance?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>It is an investment in which you regularly deposit premium payments. When you die, your beneficiaries will receive the money in a lump sum or as payments over a period of time. You can designate how the money is used. Funeral expenses and future support of your spouse or children is customary.<\/p>\n<p>The two types of life insurance include:<\/p>\n<ul>\n<li>Term \u2013 This is for a specific duration. It pays out if you die during the period of time covered by the policy.<\/li>\n<li>Whole life \u2013 This policy pays out whenever you die.<\/li>\n<\/ul>\n<p>The <a href=\"https:\/\/www.moneyadviceservice.org.uk\/en\/articles\/do-you-need-life-insurance#do-you-need-it\" rel=\"noopener\" data-cke-saved-href=\"https:\/\/www.moneyadviceservice.org.uk\/en\/articles\/do-you-need-life-insurance#do-you-need-it\">cost of your insurance policy<\/a> depends on a number of factors:<\/p>\n<ul>\n<li>Length of policy<\/li>\n<li>Age<\/li>\n<li>Health<\/li>\n<li>Lifestyle<\/li>\n<li>Alcohol consumption<\/li>\n<li>Smoking<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"Should_I_Buy_Life_Insurance\"><\/span>Should I Buy Life Insurance?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The short answer is: probably. If you have a spouse or children at home, you want to protect them. If you die unexpectedly, you want their quality of life to remain as consistent as possible.<\/p>\n<p>Here is\u00a0<a href=\"https:\/\/www.forbes.com\/sites\/lawrencelight\/2013\/06\/26\/when-dont-you-need-life-insurance\/#2801d1212b42\" rel=\"noopener\" data-cke-saved-href=\"https:\/\/www.forbes.com\/sites\/lawrencelight\/2013\/06\/26\/when-dont-you-need-life-insurance\/#2801d1212b42\">an example of when you may not need it<\/a>:<\/p>\n<ul>\n<li>If you are retired, your mortgage is paid off, and your children are self-sufficient and living on their own.<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"When_You_Need_Life_Insurance\"><\/span>When You Need Life Insurance<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Should something unexpected happen to you, is there enough money to support your family? Many families insure stay-at-home parents. The cost to pay for childcare, cleaning, meal preparation, shopping, and transportation is stunningly high.<\/p>\n<p>In addition to the loss of a loved one, your survivors may face financial instability. Relocating to a modest dwelling and uprooting your kids from their schools and friends is not something anyone wants. Life insurance can help avoid that.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"You_May_Need_Life_Insurance_if_You%E2%80%A6\"><\/span>You May Need Life Insurance if You\u2026<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ul>\n<li>Are a new family \u2013 Before you start a family, life insurance premiums may be at their lowest. With the right policy, those premium payments won\u2019t rise.<\/li>\n<li>Are in business \u2013 Many people rely on you as a business owner or partner. You may want a <a href=\"https:\/\/ogbornelaw.com\/is-term-insurance-right-for-your-business\/\">life insurance policy to fulfill your business obligations<\/a>.<\/li>\n<li>Are young and single \u2013 Some singles don\u2019t want their grieving parents to pay for funeral expenses. Other young adults are financially contributing to their parents\u2019 care. If something happened, their parents would be emotionally distraught and possibly destitute.<\/li>\n<li>Have a mortgage or debt \u2013 If your debt load is greater than your <a href=\"https:\/\/ogbornelaw.com\/estate-planning-basics-where-to-start\/\" rel=\"noopener\" data-cke-saved-href=\"https:\/\/ogbornelaw.com\/estate-planning-basics-where-to-start\/\">estate assets<\/a>, your spouse or children could be responsible for them. Life insurance is one way to help pay off debts.<\/li>\n<li>Have insurance at work \u2013 If you lose your job, you lose your life insurance. If you change jobs, you lose the money you\u2019ve invested in your work life insurance plan. It\u2019s a good idea to have a backup life insurance policy.<\/li>\n<li>Want to build wealth \u2013 Your financial advisor may suggest insurance policies that will offer cash values. These types of insurance policies can serve as investments and offer low-interest loans later.<\/li>\n<\/ul>\n<p>Bankrate&#8217;s experts created a <a href=\"https:\/\/www.bankrate.com\/insurance\/life-insurance\/coronavirus-and-life-insurance\/\">guide<\/a> that explains life insurance coverage and policy changes as the pandemic impacts the way that Americans assess mortality and financial preparedness. They also cover why it\u2019s currently a good time to buy life insurance and what information you can expect to disclose when applying for a policy.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Ogborne_Law_Estate_Planning_Services\"><\/span>Ogborne Law Estate Planning Services<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Insurance companies sell insurance, and they may tell you bigger is better. The legal professionals at Ogborne Law understand Arizona <a href=\"https:\/\/ogbornelaw.com\/services\/business-law\/\" rel=\"noopener\" data-cke-saved-href=\"https:\/\/ogbornelaw.com\/services\/business-law\/\">business law<\/a> and <a href=\"https:\/\/ogbornelaw.com\/services\/estate-planning\/\" rel=\"noopener\" data-cke-saved-href=\"https:\/\/ogbornelaw.com\/services\/estate-planning\/\">estate planning<\/a>. You\u2019ll receive financial guidance customized for your situation.\u00a0Life insurance may be part of your plan. <a href=\"https:\/\/ogbornelaw.com\/contact\/\">Call or\u00a0contact us to learn more<\/a>.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Is life insurance a waste of money or a shrewd investment strategy? It can be both! Find out if you really need life insurance.<\/p>\n","protected":false},"author":3,"featured_media":11498,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[45,37],"tags":[],"class_list":["post-918","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-business","category-estate-planning","category-45","category-37","description-off"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.4 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Do you really need life insurance? - Ogborne Law, PLC<\/title>\n<meta name=\"description\" content=\"Is life insurance a waste of money or a shrewd investment strategy? It can be both! 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