For most people, buying a 30-year term life insurance policy is a smart decision. But it is important to know about a few disadvantages. Most people agree that any disadvantages are outweighed by the advantages. But it is important to research all your options. Get all the information you can. Then weigh the advantages and disadvantages.
What are the disadvantages? For one, you may outlive your policy. Hope you do. But if that happens (or if you cancel your policy at any time), you will need to extend your policy or buy other coverage if you still want to have life insurance in your “golden years.” When outliving your policy means simply living, it’s hard to regard it as a disadvantage, but some people do.
If you outlive your policy, you get nothing back from the premiums you have paid. You don’t get any money back at the end of your term if your policy isn’t used. That’s what insurers are banking on. The insurance company is betting that you will outlive your policy. When you do, they keep the thousands (or tens of thousands) of dollars that you have paid over the 30-year period. Some people see that as a waste of money. Most people see it as money well spent for valuable protection.
Term life insurance is protection, not a financial investment. That means it doesn’t accumulate any cash value. If you outlive your policy or cancel it at any time, you get nothing back. The money to consider an investment is the money you save by finding good, affordable coverage. Take those savings, and invest them in stocks, bonds, mutual funds…whatever you feel confident about.
So how do you find “good, affordable coverage”? It’s easier than you may think. Naturally, to make sure you get the best value, you have to do comparison-shopping. In the old days, that meant going from insurance company to company, agent to agent, filling out forms, and on and on. But a unique service has changed all that…for good. It is not from an insurance company. It is an unbiased, free, and easy solution to the hassles of shopping for insurance.
The fact is, comparison-shopping for term life insurance has undergone a revolution in recent years. The key is state-of-the-art software that brings you many quotes from many different companies—all in one place, all in just seconds. And all for free.
Here’s how simple it is: On an insurance-shopping website such as 30YearTermLifeInsurance.biz, just indicate the state where you live, the date you were born, and the answers to a few simple questions. Then click one button to get your quotes. Immediately, you will see quotes from many different companies competing to offer the highest-quality coverage at the lowest possible rates.
The companies are leaders in the industry, names you will recognize. Choose the one offering the coverage that fits your needs and budget. Then make your purchase. Usually, you can pay by credit card. Sometimes, you can even download a copy of your policy, so you can print it to file with your other important papers.
The whole process takes just a few minutes. It costs nothing. And it could save you thousands of dollars over your lifetime by helping you find insurance that will give you outstanding coverage and peace of mind for the next 30 years. Yes, term life insurance may have a few disadvantages. But weigh them carefully against the many advantages that a 30-year term life insurance policy offers.
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