Life
insurance is one of the requirements of life.
However, few people like paying for life insurance. A key
factor to judge in buying term life insurance is to supplement
the income your family will be unable to replace. This amount
of life insurance is often in the range of seven to ten times
your annual income. And as your income rises, additional term
life insurance will be necessary for your family to keep its
standard of living and quality of life.
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Term Life Insurance covers the
financial risk of death for a given number of years (term) at a
level premium cost, and pays a specified death benefit,
guaranteed. Term periods available are typically 5, 10, 15, 20,
and even 30 and 40 year lengths. Term life insurance builds no
cash value -- it is insurance only. You
get the most insurance coverage for the lowest price with term
life insurance.
Do not
rely completely on your employer.
Purchasing life insurance through your employer may be
convenient, but does it cover all your life insurance needs?
What if you change a job and your health at the time you do that
is not as good as today? On the other hand, if your employer is
covering the cost, why not take it?
Buy as
much coverage as you can afford.
As you increase your limit of life insurance, the average cost
per $1,000 of death benefit decreases.
