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Personal vs. Company Term Insurance

ファイナンシャルアドバイザーのハリスさんにこれから数回にわたって記事を書いて頂きます。お金の管理について改めて勉強されたい方は、参考にしてみて下さい!

一回目のテーマは、生命保険です。保険料を払い過ぎていませんか?

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Many Americans have access to term life insurance
through their employer. This benefit can be a great
way to protect your loved ones in the event of an
untimely death. 

 recording

If you purchase term insurance through your employer,
I highly recommend you examine the plan to learn the
specifics. For example, will your coverage end in the
event you resign or you’re terminated from your
position? Secondly, are your premiums higher in your
company plan than if you went out in the market to get
term insurance on your own? In many company plans,
the premiums tend to escalate every five years. 
Furthermore, you tend to get “lumped” into a Standard
rate class as you age with your co-workers, so your
premiums can be higher than they should be. 
If you’re healthy, I highly recommend you look into
term insurance outside of your employer’s plan. 
Let me share a specific example of a how Roger
saved money on his life insurance by getting it on
his own.
Roger is healthy male who purchased a $650,000
term insurance policy through his employer. He
recently celebrated his 60th birthday 3 months ago. 
He needs the term insurance to provide his wife
Jane with enough money to pay off the house and
supplement his lost income. His premium for
$650,000 worth of coverage was $200 per month
at age 59. Because Roger recently
turned 60, he gets bumped into a new higher age
bracket that caused his premiums to double to
$406 per month. This jump in premium was very
difficult on Roger’s budget. 
We decided to run some comparable quotes to
help Roger lock in a 15 year term policy with a
$650,000 death benefit. He submitted an application
with a leading provider, completed the underwriting
process and was approved at a Non Smoker Plus
rating. By doing this, Roger locked in a $217 per
month premium payment for $650,000 worth of
coverage and dropped his coverage with his
employer.
Most importantly, this policy is portable and
continues after Roger decides to retire at 67. 
Secondly, it will save him a significant amount
money over the next 15 years. If you have a plan
at work, please take the time to review it closely to
make sure you’re not overpaying for this valuable
coverage for you and your family.
Please note this is only an example and does not
represent your specific situation. Please contact a
trusted advisor for more information about your
particular needs.
I hope you enjoyed my post. If you have any
questions, please feel free to reach out to me at
joelharris@tfamail.com, or by phone
at 317-507-1825. 
Joel Harris, AAMS

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