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Abigail K | Is it a good idea to get life insurance |
is it a good idea to get life insurance at the age of 22. and if so any suggestions about a company that`s affordable |
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Big G
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Yes it is!
But only buy term life insurance 15, 20 or longer if offered.
Make sure it is convertible to a whole life at some time.
Rates will be lower at 22 and remain the same for the term you purchase. But only buy Term!!!!
You will probably get married and have children that would benefit from your life insurance policy. If not just having money to pay your final health and burial costs are very nice for those you leave behind. Thoughtful!
I have had good luck and good rates from Hartford Life insurance, unlike the internet companies that offer low rates get a company that has been around for many years!
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SDD
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What are you trying to protect? Is there someone who is dependent on your life and income? If not, what are you insuring against?
Some people buy insurance when they are young, healthy and insurable to make certain that they have it later when they really need it. That's not usually a huge risk, but only you can determine whether it's worth the cost to you. Life insurance -- at least term life -- would be very inexpensive for a 22 year old. Lot's of online sources to explore if you want to get an idea. |
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PATRICIA MS
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Depends on your financial status. I never paid for life insurance (at 69) but I have a good retirement plan that will go to my heirs. And annuities. |
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Insurance Pickle.com
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It can be, but a 22 year old should not be buying a 15 or a 20 year term. The policy could be over before you even truly need the coverage.
If you've borrowed money from a relative and you want to insure they get repaid then insurance would do that. If you've borrowed money from a bank and you're single there's no need to be concerned about repaying the bank.
The only other reason a young, single person should buy coverage is to lock in their health if they plan on either getting married (or having a domestic partner that relies on your income) and having babies.
But, generally speaking you don't need it. If you do get it though buy the right plan. If you bought a 15 year term policy and had a baby five years from now the policy would last until the child was 10 years old. That's not doing you any good.
You can quote ~150 different companies right on my web site and no personal information is need to use it...
http://insurancepickle.com/life-insurance |
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katiesquilts
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It's a good idea to have whole life insurance, especially at your age. The premium will be lower overall, because whole life premiums never increase. If it's only you, you don't need much-enough to pay off student loans, car loans, any bills you may have, and enough for burial. If someone is dependent on you, however, you may want more. I have enough to pay for college for my dependent child.
Does your employer offer life insurance? Some employers will give you 1 times your annual salary for free, and you can purchase additional amounts. This is term life, however.
Check with the company that handles your auto insurance, especially if you're using State Farm, Farm Bureau, etc, a company that offers insurance for a broad range of items. Also, check Aflac. You can purchase your own insurance for life, missed work, cancer, etc. But be sure to get a whole life policy--who knows, eventually, you may be able to stop paying premiums, and just live off the dividends (look for a company that offers that option, and make sure you get something in writing showing when you'll be able to stop--mine will reach that point in 20 years). |
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westsaeed
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Yes, the annual premium will be peanuts. But I would get Whole Life or Universal Life instead of term. You'll pay a little extra now, but your rate will never go up. You'll be paying the same premium when you're 68 as you're paying now. The problem with a 20-year convertible term is that the premium at age 42 when you convert it will be much higher than it is now. |
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