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Is life insurance worth it

is life insurance worth it

Premiums

Calculation of term insurance premiums considers the insured's age, health status and desired length of the policy term according to "Suze Orman's Financial Guidebook: Put the 9 Steps to Work." Individuals and families purchase term insurance to protect against unlikely mortality--just in case. Quotes for renewable term insurance increase every year. Level term policy premiums remain level for a period such as five years or 10 years prior to an increased premium.

Considerations

The purchaser of cash value insurance pays substantially for the privilege of a modest annual return on premiums. The cash accumulation and return of the cash policy appear attractive when the insured can't generate annual returns of more than 3.8 percent on investments. For that reason, Ramsey recommends term life insurance. He recommends deploying capital with the ultimate goal of "self-insurance." That is, the investor with substantial assets and no mortgage leaves survivors with few material concerns.

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Category: Insurance

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