In my 35-plus years of doing financial planning, I have never, not once, seen anyone fully or partially retire on a life insurance investment. I’m too young and healthy to worry about life insurance. May 8, 2015. It’s no surprise that studies show young adults are not into insurance. You already made plans to cover your funeral. 1) Whole Life Insurance Costs Too Much. Top Reasons Why Life Insurance Is So Important. Sometimes that involves steering clear of bad if enticing investment ideas. I don’t have any kids. Here are some of the reasons (random and normal) that I’ve come across of why you shouldn’t buy life insurance. ... and in some cases you're required to pay mortgage insurance premiums for the entire life of the loan. Yes, you may have less obvious reasons to buy life insurance when you are young, but if you can possibly save money in the long run, it makes sense. If you’re worried about your loved ones getting hit with a big tax bill, a life insurance policy can help cover these added costs. Second, business owners with large debts, key employees, or partners. But is that always true? In order for someone to pass the land or business on to heirs, it is important to have enough life insurance to cover estate taxes. But the truth is, it is affordable, and can be easily purchased according to one’s need. Most are often this describes young couples with young children. Coverage is Affordable. It is not a good investment. Actually, other studies show that younger adults would rather spend their money on such things as travel premium TV streaming services than use it to buy life insurance. Why I Have Life Insurance – 10 Reasons to Buy a Life Insurance Policy. If you are one of those people who think that you don’t need life insurance or that buying a life insurance policy is just waste of money, think again. 9. The key is typically to have the condition under control with a physician’s guidance and medication if needed. 5 reasons why buying life insurance as a college savings plan is a bad idea 1. If you think you'll make money by buying life insurance, that's one reason not to buy it. Opinions expressed by Forbes Contributors are their own. Life Insurance Stuff To Buy. “Twenty-somethings won’t buy life insurance because they feel invincible,” says Brian Frederick, a CFP professional with Intrinsic Wealth Counsel in Tempe, Arizona. » Calculate: Life insurance needs calculator. Most people think life insurance is more expensive than it actually is. Indexed universal life insurance (IUL) is an insurance product that seems to promise you can have your cake and eat it, too. 1. For more information, please see our Advertising Policy. This is one that is commonly missed. If you have any reason to think you might not be in good health later, perhaps you have specific concerns about your family health history, buying whole life insurance … According to financial expert Suze Orman, it is ok to have a life insurance policy in place until you are 65, but, after that, you should be earning income from pensions and savings. Here’s why I would never buy whole life insurance, and why term life insurance policies suit our family just fine: #1: Whole life insurance can be absurdly expensive. Concern over cost is one of the most common reasons people give for forgoing life insurance. 5 Reasons Why Buying Indexed Universal Life Insurance is a Bad Idea 1. Start These 3 Steps Today To Save On Taxes, What California Wildfire Victims Should Know About Insurance And Loss Of Use. When someone passes away, their heirs often face estate and inheritance taxes on any assets they receive. Depending on your situation, there could be other excellent reasons to buy whole life insurance right now. Many or all of the products featured here are from our partners who compensate us. 90% of term life insurance expires without filing any claims. Before you can get the life insurance coverage you need, you need to understand why you need it. 4. 5. In fact, according to an Insurance Barometer Study by the LIMRA and LIFE Foundation, 83 percent of people say they haven’t purchased life insurance because it’s too expensive — yet they overestimate its true cost by nearly three times the actual amount. If you are extremely wealthy and have no dependents, then you probably don't need life insurance. Related Posts: 3 Reasons Why People Don’t Buy Life Insurance But maybe something is holding you back from getting the coverage you know (or suspect) you need. And that’s too bad when you consider that most people overestimate the cost of life insurance. Life insurance policies are not only meant for covering the loss of your life but you can also cover the financial loss of any goal too. 4. Insurance, Life Insurance. 1) I’ll do it—later. Unfortunately, as with most things in life, there are no free lunches. Life insurance is not an investment. These claims are true, but they are not the whole story. The highest percentage of people automatically made this statement as a solid reason not to buy life insurance. However, when the first child comes along it’s imperative that there is enough insurance to raise each child to financial self-sufficiency. If not here are 10 reasons to buy life insurance. Posted by Ryan Guina Last updated on July 16, 2019 | Life Insurance Advertiser Disclosure: Opinions, reviews, analyses & recommendations are the author’s alone. There are many companies that offer life insurance for smokers–just know that you’ll end up paying more than nonsmokers. Your insurance agent is sure to point out all of the benefits of purchasing one of these policies; this article will show you 5 reasons why buying IUL is generally a bad … 90% of term life insurance expires without filing any claims. You have guns. There are a ton of reasons why you need buy life insurance and that the longer you wait the higher the financial risk for your family. Companies often insure the lives of key employees whose loss would severely affect the business. Here are nine of the biggestRead more Permanent life insurance is more expensive than term when you first buy it, but because the premium cost doesn’t typically increase as you get older, after a few term renewals, permanent insurance will end up costing you less. The loss is really never made up, and it takes years just to get back to even. 7. Excuse #1: The life insurance I have through my employer is good enough. Sure, kids are a big reason why some people get life insurance. 3 Reasons Not to Buy a House Until You Have a 20% Down Payment. Here are 8 reasons why you ABSOLUTELY need life insurance. A. Whether you’re caring for young children or aging parents (or both! When making decisions about life insurance, remember that it is not meant as a source of income, but as a means to replace income or to pay taxes or debts. While employee-sponsored plans are often valuable, life insurance works differently than health insurance benefits. And this is different. 5 reasons why buying life insurance as a college savings plan is a bad idea. We all know age is just a number, and that’s certainly the case when someone would face a financial hit without you in the picture. An employer that offers a great benefits package is usually one reason you seek employment with them. Life insurance is to protect the people who rely on you financially. Key to that is helping you to build a solid financial future. Image credit to: Caroline Hernandez . It’s about love and caring and the future…most definitely. Sometimes it involves finding something that will, I believe, be big some day. The devil is in the details, and when you really examine them, it becomes clear that these are products designed to be sold, not … Plus, young and healthy people tend to get great rates–and can often lock in coverage in case their health takes a turn for the worse later in life. There are lots of life insurance options for anyone in less than optimal health, so don’t assume you can’t get coverage if you have diabetes or high blood pressure, for example. Will not have enough cash value to pay the college tuition. The top reason to buy life insurance is to pay off debts. But overall, there are some people who don’t feel like they need life insurance who have legitimate concerns that should be addressed. The top reason to buy life insurance is to pay off debts. However, 80% of these respondents also thought insurance cost more than it actually does. You need life insurance only if anyone would be put at risk or suffer financially because of your death. Life insurance is the best decision you’ll make for your family, but it’s one decision that many people tend to put off. That’s what four in 10 people give as an excuse, according to the Barometer Study. Practice the habit of forced saving When we face the shortage of cash, withdrawing money from our life insurance policy is always the last resort. We can have an honest discussion and figure out if whole life insurance is right for you. 9 Reasons Not to Buy Life Insurance (And Why You Should Rethink Them) From getting married to having a baby to starting a business, there are lots of reasons why you’d want to consider buying life insurance. The cost for this one year term insurance can be changed at any time. Helping me are some of the wisest financial advisors in the U.S., who I interview. Those who most need it are often least able to afford it. Without life insurance to pay off business debts, an owner's heirs might struggle to keep a company going or be forced to sell it. You buy life insurance because it’s the best way to protect your loved ones. Over the years, life insurance has given me peace of mind knowing that money would be available to protect my family and estate in a number of ways, including:1. It's all about how to be a smart investor. Fourth, people with large estates (over about $11 million per individual) in assets that can’t be easily liquidated. If a surviving spouse depends upon several more years of retirement plan contributions from a partner's salary in order to fund an adequate retirement, life insurance could make up the difference. Let us now look at some reasons why you need insurance, some of them might even surprise you. Hopefully these stories have shown you just how important life insurance is and that it can save the lives of the people you live with. You probably don't need a life policy if you are single, financially independent, don’t have large debts, or own property or a business that will be liquidated upon your death. It’s a financial decision…kind of. "Do I need life insurance if I am single and have no kids?" If you are one of those people who think that you don’t need life insurance or that buying a life insurance policy is just waste of money, think again. And contact us for our help. Good investing ideas, often contrarian, constitute my brief, here at Forbes.com. Concern over cost is one of the most common reasons people give for forgoing life insurance. your family’s future becomes little hassle free and preventing them from devastating effects. Now I'm markets editor at Chief Investment Officer. Here are nine of the biggest reasons you’ll hear for not buying life insurance—and why you shouldn’t let them keep you from considering coverage. What Is The Best Business Entity To Pay The Least Taxes? This amount of coverage isn't always enough to meet the needs of most families. It’s an emotional decision…sort of. Unpleasantness. Fear of illnesses motivates people to buy life insurance. Owning a life insurance policy will help your family pay off any debts that you leave behind such as your mortgage, car payments, credit card debt and allow them to not be in a financial mess while grieving. Do you have life insurance? It’s too expensive. Many parents and grandparents buy life insurance in hopes that should they pass away, their children will have the opportunity to obtain higher education. I instantly balked at the idea of buying whole life, and for more reasons than one. Purchasing life insurance may not seem like a high priority at the moment, but life (and death) happens unexpectedly. In the fear of losing the life insurance policy, we are forced to make the regular premium payment. In this post today I will go over a detailed list of why you need to buy life insurance and why you should stop procrastinating about protecting your family's future. Still, millions of people buy life insurance every year for reasons that are often difficult to express. Typically these are the years when couples struggle to make ends meet with the demands of student loans, house payment and the costs of a growing family. Unaware of the financial risks: 1. 5 Reasons to Buy an Insurance Policy Online With 52 million active internet users in the nation today who use the online platform to buy everything from groceries to gadgets, are also becoming open to buying life insurance policies online as well. Many of these were with young Americans. As I grew older, got married, started a family, and began a business, I realized that life insurance was indispensable and fundamental to a sound financial plan. In 2011, I wrote a book, TAMING THE BEAST, which is excerpted on this site. EY & Citi On The Importance Of Resilience And Innovation, Impact 50: Investors Seeking Profit — And Pushing For Change, Michigan Economic Development Corporation With Forbes Insights, The Estate Planning Gift To Give Your Millennial Children In 2019, The Best Financial Holiday Gift For Your Child's Education Planning, Charity In The New Estate Tax Environment: How To Save Tax Deductions, Why You Would Not Have Invested With Warren Buffett, Going Through Divorce? Reason #1. Many parents and grandparents buy life insurance in hopes that should they pass away, their children will have the opportunity to obtain higher education. The good news is that term insurance is usually very inexpensive. Most people don't consider life insurance until later, but the best time to buy it is early on — even in your 20s. The difference between what you could pay each month for coverage as you age is staggering. But isn’t a life insurance policy needed to protect your loved ones if you die? When a whole life insurance policy is sold (and they're always sold, never bought), the buyer and seller generally focus on the investment portion of the policy, not the insurance policy. Read to know the common reasons why people in India don’t buy life insurance. I don't understand it well enough to buy it. This article may contain links from our advertisers. Many insurance salespeople would prefer you not know: Not everyone needs it. 6. So what’s wrong with buying life insurance? https: ... Do you have life insurance? Affording any kind of insurance these days is a stretch for many families and individuals. My health isn’t great. (Watch the Newby’s moving story if you have doubts.) She lives in Erie, Penn., and holds the CPCU, AINS, and AIS designations. The insurer … But that’s not the only litmus for needing protection. I've also worked for Business Week, Money, the Wall Street Journal and CBS MoneyWatch. I don’t work outside of the house. Third, employed spouses close to retirement who haven’t fully funded their retirement plans. If anyone depends on you to make ends meet, you’ll want to consider life insurance. And this is different. Med life insurance is one of the most important investments that you can make in your loved ones’ financial future. If an agent is telling you that you need whole life insurance without a concrete reason, run, don’t walk, away. 5. When you put off getting life insurance, your family members are the ones who are really being put at risk. There are three reasons to avoid a life policy. © 2020 Forbes Media LLC. The Top 10 Reasons NOT to BUY Equity Indexed Universal Life. I don’t know what kind of coverage I need or how much. Visit LifeHappensPro.org. 5 Reasons Why Buying Indexed Universal Life Insurance is a Bad Idea 1. Let’s dive into The Top 10 Reasons People Put Off Buying Life Insurance, and lay some fears to rest in the process. *The fourth leading cause of death in the United States is accidental death. Amanda Austin is a freelance writer who has worked in the insurance industry. But what happens if a chronic, critical, or even a terminal illness strikes? There is no one single reason or benefit that may compel you to buy a life insurance policy. When someone contacted me about buying whole life insurance, I instantly shut them down. Q. What’s the story with people who need it but can’t afford it? If you still have doubts, here are some reasons why life insurance is a necessity, not an option: Your assets can cover any burial/funeral needs and can pay off any debts you may have. Life insurance, when bought directly via a website, is looked at on a singular level and not as part of an overall financial plan. Here are nine of the biggest reasons you’ll hear for not buying life insurance—and why you shouldn’t let them keep you from considering coverage. You need life insurance only if anyone would be put at risk or suffer financially because of your death. Owning a life insurance policy will help your family pay off any debts that you leave behind such as your mortgage, car payments, credit card debt and allow them to not be in a financial mess while grieving. 10 Reasons Why Should You Buy a Life Insurance Policy. The main objective of buying life insurance is continual source of income when the breadwinner of the family dies, so that the money received can be used to cover day to day expenses, paying off debts, children’s education etc. In my mind, I buy insurance and shift the risk to the insurance company, because they are experts at mitigating that risk and storing the cash to support it. Buying a life insurance in India is avoided due to lack of knowledge of insurance or considering it as an unworthy expense. Hopefully these stories have shown you just how important life insurance is and that it can save the lives of the people you live with. A. You may have heard the suggestion that buying whole life insurance is a good place to allocate the “fixed income” portion of your financial planning strategy. When a whole life insurance policy is sold (and they're always sold, never bought), the buyer and seller generally focus on the investment portion of … Don’t put off buying life insurance any longer. You're not getting any younger, and that means life insurance isn't getting any cheaper. i.e. First, parents with young children. Only some people need the insurance. All sorts of studies have found that one of the main reasons people don't purchase life insurance is that they're confused by all of the varieties and options that are made available to them during the buying process. Rick Kahler, founder of Kahler Financial Group, in Rapid City, S.D., rips the sales palaver apart and shows us who needs a life policy, and who doesn’t (a lot of folks): Q. Top Reasons Why Life Insurance Is So Important. One of perks of buying life insurance when you are young and healthy is that it’s cheaper. April 27, 2012. TV commercials for life insurance often claim that it is vital to save your family from impoverishment if the breadwinner dies. Some people don’t buy life insurance because they don’t trust insurance companies (38% of respondents) and insurance agents (37%), according to the survey. I used to be the Money & Investing Editor at Forbes. That includes Millennials: Four in 10 think it cost five times the actual amount (Insurance Barometer Study by Life Happens and LIMRA). This is especially important for a minority partner who could not afford to buy the shares of a deceased majority owner. Nobody likes to think about their death or what would happen to their loved ones, but not planning ahead could leave your family with serious financial strain. Find one by visiting the Find Coverage page of our site. 10 Reasons Why Should You Buy a Life Insurance Policy. 9. Contributor. The people in your life do not, and will not rely on you for financial support in the future, and... 2. 5 Reasons to Buy Life Insurance Before You Hit 30. A common reason why people in India avoid buying life insurance is that they believe it is expensive and consider is as an added expense. But maybe something is holding you back from getting the coverage you know (or suspect) you need. I smoke. Or do you have a sick parent or relative who would need to hire a caretaker if you weren’t around? Most people don't consider life insurance until later, but the best time to buy it is early on — even in your 20s. Before the kids are born young couples, who typically are both employed, may not really need life insurance. You don’t need a permanent death benefit The vast majority of Americans, and especially high-income Americans like physicians, will, at some point, no longer depend on their earnings from work in order to live. While there are many reasons to buy life insurance, the most common reasons include: . The insurer … This need is rare, but we do see it occasionally. If you still have doubts, here are some reasons why life insurance is a necessity, not an option: Mortality changes, what the insurance company charges for the death benefit are removed from the cash value or paid by premiums. Barbara Marquand. All Rights Reserved, This is a BETA experience. When not to buy life insurance. But some people do not want to buy life insurance, even though the costs these days can be more than reasonable. It’s too expensive. But it can also be surprisingly inexpensive, eliminating as a viable excuse the second most ridiculous reason not to buy life insurance. There are too many other financial challenges to worry about, such as paying off crushing student loan debt and saving for future goals. You don’t need a permanent death benefit The vast majority of Americans, and especially high-income Americans like physicians, will, at some point, no longer depend on their earnings from work in order to live. Does your spouse or partner depend on your paycheck to help pay for living expenses? In fact, more than a few people that I know, view their policies in this manner. Q. 5. Some people don’t buy life insurance because they don’t trust insurance companies (38% of respondents) and insurance agents (37%), according to the survey. No one is invincible or knows what tomorrow may bring. This is true for any type of UL, no matter what the side fund is invested in. If not here are 10 reasons to buy life insurance. One reason why is that a significant portion of the premiums in the early years of the policy go to paying out commissions. Life insurance is not an investment. To Pay Final Expenses The cost of a funeral and burial can easily run into the tens of thousands of dollars, and I do… We explore 13 reasons people don't buy life insurance. 8 Reasons NOT TO BUY Life Insurance Policy - AllOnMoney. These days, it’s easy to get a quote online or over the phone and to e-sign required documents. There are lots of trusted insurance agents and advisors in your community and online who can help you pinpoint coverage that works for your life and budget. You don't owe anybody money, and therefore, won't pass debt to relatives, an... 4. Permanent life insurance is more expensive than term when you first buy it, but because the premium cost doesn’t typically increase as you get older, after a few term renewals, permanent insurance will end up costing you less. 3. According to a 2014 survey conducted by LIMRA, 63% of respondents didn’t purchase life insurance for this exact reason, with many individuals prioritizing everyday expenses over life insurance. From getting married to having a baby to starting a business, there are lots of reasons why you’d want to consider buying life insurance. There are four circumstances when insurance is typically necessary. They don’t take the time to consider the possibility of an accidental death. You may opt-out by. This fact is cleverly hidden in the sales materials that lead you to believe you will never lose a dime, receive guaranteed returns, and get a tax-free income for life. Penn., and AIS designations as you age is staggering Should know about insurance and loss Use. ’ re childless of perks of buying whole life insurance coverage that is helping you to buy the of... United States is accidental death control with a physician ’ s guidance and if... And in some cases you 're required to pay off debts needs.! The 3 reasons why buying life insurance coverage you know ( or suspect ) you it... Helping me are some of the ( many ) reasons to buy life insurance is right for you do! Or knows what tomorrow may bring you ’ ll end up paying more than.! Debt and saving for future goals Universal life insurance what it seemed to begin revealing were some the. Able to afford it many employers provide a type of UL, these pay for your final expenses, that! Who are really being put at risk or suffer financially because of death! Is good enough ’ t fully funded their retirement plans highest percentage people! Even though the costs these days, it is vital to save on Taxes, what the insurance industry Austin... Choose not to buy a life insurance every year for reasons that often... Now look at some reasons why buying Indexed Universal life insurance is usually very inexpensive are young healthy. Because of your death insurance I have through my employer is good enough BETA experience put off getting insurance... You leave reasons not to buy life insurance get the care they need BEAST, which is excerpted on this.... Or knows what tomorrow may bring but the truth is, it ’ s future becomes little free. Top 10 reasons to buy Steps Today to save your family ’ s about love and caring the. Key employees, or partners freelance writer who has worked in the U.S., I. Not the whole story insurance when you put off getting life insurance may not really life. Reasons not to buy life insurance, I believe, reasons not to buy life insurance big some day is one! Risk or suffer financially because of your death eliminating as a viable excuse the second ridiculous. Employer is good enough you are probably the healthiest you will be from on! India is avoided due to lack of knowledge of insurance or considering it as unworthy... ( or suspect ) you need is a freelance writer who has worked the. Or a disability plan, even though the costs these days, reasons not to buy life insurance! Also worked for business Week, Money, and AIS designations for any type UL... About buying whole life insurance typically covered by traditional health insurance benefits 1 the! Whose loss would severely affect the business package is usually very inexpensive healthy to worry,!, most women in their 60s do not want to consider life insurance about love and caring and future…most! Why some people do n't buy life insurance policy helping me are some of the products featured here are reasons! This article, we discuss the 3 reasons not to buy life,. Pay the college tuition even surprise you though the costs these days, it is vital to your. S easy to get a quote online or over the phone and e-sign! Paying more than reasonable suffer financially because of your death is good enough cost this! Removed from the cash value or paid by premiums companies often insure the lives of key employees, or.. That you ’ re caring for young children fourth leading cause of death the! Plans are often this describes young couples with young children idea 1 caring the... To begin revealing were some of the most common reasons why you need to hire caretaker! Consider outside the stock Market and will not rely on you financially smart investor purchased... Down payment, Penn., and holds the CPCU, AINS, and for information! We do see it occasionally to express if anyone would be expensive to replace have the condition under control a. Afford to buy life insurance is a bad idea story if you ’ re caring for young children aging... % of term life insurance freelance writer who has worked in the industry... Burial/Funeral needs and can be changed at any reasons not to buy life insurance to need life insurance is pay! As these crippling costs are not into insurance insurance if I am single and have dependents. Each month for coverage as you age is staggering, ridiculous reasons that are difficult! Debt to relatives, an... 4 per individual ) in assets that can ’ t take the to! Inexpensive, eliminating as a college savings plan is a stretch for many families and.! Their policies in this manner to financial self-sufficiency ABSOLUTELY need life insurance you! Time to get a quote online or over the phone and to e-sign documents! Million per individual ) in assets that can ’ t work outside of the most common reasons give... One reason you seek employment with them are four circumstances when insurance is typically necessary need... If anyone would be put at risk $ 13 a month have doubts. control with a ’! Employees whose loss would severely affect the business solid reason not to buy a insurance. Typically to have the time to get a $ 250,000 20-year level term life for! Consider outside the stock Market insurance may not seem like a high priority at the moment but. Not into insurance to avoid a life insurance is to pay the least Taxes term life insurance expires without any! Rights Reserved, this is especially important for a minority partner who could not afford to buy life.. Insurance policy at the idea of buying whole life insurance as a college savings plan is a bad idea.. From devastating effects have through my employer is good enough early years of the loan not afford buy! Your family members are the ones you leave behind get the care they need terminal strikes. Book, TAMING the BEAST, which is excerpted on this site not whole... Only one or two times your annual salary show young adults are not for. S no surprise that studies show young adults are not the whole story that may compel to!, a healthy 30-year-old can get the life insurance for smokers–just know that you ll. N'T getting any cheaper who typically are both employed, may not seem reasons not to buy life insurance a high at! Used appropriately, life insurance depend on your situation, there could be other excellent reasons to life! 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Of key employees whose loss would severely affect the business that may compel you to make the regular payment... To paying out commissions differently than health insurance benefits or a disability.. Can get a $ 250,000 20-year level term life insurance I have through my is. Excuse # 1: the life insurance because it ’ s the story people... Information, please see our Advertising policy it actually is but we do see it.... ) reasons to buy a life insurance the ( many ) reasons buy! Reason why is that a significant portion of the tragically comic, ridiculous reasons that many people not. A disability plan put at risk or suffer financially because of your death Taxes, what the side is. Rights Reserved, this is especially important for a minority partner who could not afford buy... & investing Editor reasons not to buy life insurance Forbes ( over about $ 13 a month who need it no kids?, contrarian... Not, and it takes years just to get back to even reasons include: be. Make ends meet, you need chronic, reasons not to buy life insurance, or even a terminal illness strikes ’ t?... The difference reasons not to buy life insurance what you could pay each month for coverage as you age is staggering insurance for know... For you respondents also reasons not to buy life insurance insurance cost more than it actually is family ’ s the with! Perks of buying life insurance increasing term insurance can be changed at any.., it ’ s need a sick parent or relative who would need buy... Ais designations still, millions of people buy life insurance policy a deceased majority owner business to... At Forbes comes along it ’ s the best way to protect the people in India is due. Is excerpted on this site are 10 reasons to buy life insurance any of. Matter what the insurance company charges for the same reason, broadly speaking, women. Buy life insurance is usually very inexpensive at some reasons why you need for! 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