January 26, 2010
Courtesy of USAA
When you want your life insurance to last as long as you do, think permanent insurance. As the name implies, it is designed to keep protecting you until old age — say, 95 or 100. While it may cost more than term insurance initially, over your lifetime you will pay less. It also has much more to offer.
Rent or own?
If term insurance — a low-cost, temporary solution — is like renting a home, permanent insurance is similar to owning one. And like home ownership, owning a permanent plan has two important advantages:
- Long-term cost-effectiveness: It can be less expensive over the long haul.
- Equity: It creates a cash value that can grow over time. The growth in your account normally isn't taxable unless you withdraw it. And just as you can borrow against the equity in your home, if you need emergency funds you can also borrow from the value of your life insurance policy, usually at attractive rates. However, if the loan is not repaid this will reduce the amount your life is insured for.
Types of Permanent Insurance
Permanent life insurance comes in several flavors, including:
- Whole life. Usually features a premium and coverage that are guaranteed to never change. Some versions of whole life may also pay annual dividends — the insurer's way of sharing some of its surplus cash.
- Universal life. Offers a flexible approach to life insurance. It gives you the ability to choose a premium that accomplishes your specific goals. You may even be able to change the premium or coverage amount after your policy is issued to adapt it to your changing needs.
- Variable life. These plans combine the long-term nature of whole life or universal life with an element of risk. You manage the investment of your cash value by choosing from a list of offered funds.
How much is enough?
For many people, the best solution isn't term or permanent insurance — it's a combination of the two. Realizing that your needs may change over time and inflation may cause these needs to grow, consider buying at least enough permanent protection to cover:
- Final expenses such as burial and medical costs.
- Support for children or other dependents with permanent or special needs.
- Estate planning uses — such as paying federal estate taxes.
First Things First
When buying life insurance, your first concern should be buying the right amount of coverage. If your budget doesn't allow you to buy the optimal combination of permanent and term insurance today, you would probably benefit from owning at least a small portion of permanent life insurance. Later as your finances allow, having the optimal type of coverage is something you can work toward. Most term policies will allow you to convert some or all of your coverage into a permanent policy without another medical exam.
This is why it is important to talk to one of our licensed life insurance representatives to determine the best fit for your needs, your finances and your future.
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