Life Insurance

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Life insurance can help protect your family financially if anything happens to you, but it’s important to make sure you’re not overpaying for the coverage you need.

How does life insurance work?

Life insurance is a planning tool that provides financial protection for your dependents.

The asset provides a tax-free lump sum of money which is paid to your dependent after your death. Typically, life insurance is bought so that your dependents would be able to sustain payments for bills, college tuition or other after-life expenses.

Key components of life insurance policies are:

  • Term: When buying life insurance you would choose how many years your policy will last. This will also depend on the type of life insurance that you purchase — permanent insurance has a term that will last your whole life for example.
  • Death benefit: The face value for the life insurance policy. This is the amount of money that would be paid to the beneficiary if you passed away.
  • Premiums: The monthly or annual payments that you give to the insurer to keep the life insurance policy in place. If you miss a payment or decide not to pay the life insurance policy would be canceled.

How to calculate your life insurance needs

your needs

Every individual has a different financial situation and therefore will require different life insurance needs.

When calculating your needs you should consider what the life insurance will be used for and why you may need life insurance in general.

If you are young and do not have any dependents then buying life insurance may not be a necessary purchase at this point in your life. On the other hand, if you are starting a family in which the financial livelihood of the family relies on your salary, then you may want to consider purchasing some life insurance coverage and calculate your future needs.

When beginning to calculate how much life insurance you need, you should start by adding up your current and future financial obligations. This can include obligations such as:

  • Future salaries
  • Mortgage balance
  • Debts
  • College costs
  • Funeral costs

After you have figured out your obligations, you can add up your current assets such as savings and college funds. Finally, by subtracting your current assets from the obligations you will arrive at a target amount for how much life insurance you will need. It is important to note that this is a rough estimate for coverage and it may be useful to purchase slightly more life insurance to compensate for unexpected financial situations that your dependents might face.

Types of life insurance

Life insurance companies will typically offer two different types of life insurance: term life insurance and permanent life insurance.

A term policy will last for a set period of time before expiring while permanent plans stay in effect for your entire life. Furthermore, some permanent life insurance policies will have a cash value component that will grow as you make premium payments.

Term life insurance
Permanent life insurance
Period of coverageSpecified term, usually one to 30 yearsLifelong
Cash valueNoYes
Average monthly premiumCheapExpensive

Depending on your situation and what the purpose of your life insurance is, the type of life insurance that you need will change.

For example, if you are looking for a cheap policy to cover future financial obligations like college tuition, then choosing a term life insurance policy with a death benefit that matches the total tuition may be the best option. On the other hand, say you have Type 1 diabetes and have had problems with getting approved for life insurance. In this case, a permanent policy like guaranteed acceptance life insurance may be a better option for coverage.


Average cost of life insurance policies

The cost of your life insurance policy will be dependent on a variety of factors including your health, age, occupation and if you smoke. However, the largest determinant will be if you are a smoker.

Smokers will have an average cost of life insurance that is 306% higher when compared to a nonsmoker.


Average Cost of Life Insurance for Non-Smokers vs Smokers

graph comparing life insurance cost of non-smokers vs smokers
graph comparing life insurance cost of non-smokers vs smokers

Find Cheap Life Insurance Quotes in Your Area

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Life insurance company reviews

When searching for the best cheap life insurance we would recommend getting life insurance quotes from as many insurers as possible. To aid you in this process we have provided detailed reviews of some of the best life insurance companies in the industry.

You will notice that many life insurance providers will have favorable underwriting requirements for certain individuals. For example, if you smoke you may find that Northwestern Mutual will have some of the best smoker life insurance rates available. Additionally, some insurers will specialize in certain products such as Mutual of Omaha which has one of the cheapest guaranteed whole life insurance products in the industry.

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class=\"ShortcodeImageBare--root \" \u003E\n \u003Cdiv class=\"ShortcodeImageBare--image-container \"\u003E\n \u003Cspan\u003E\u003Ca class=\"js-event-click\" data-eventcategory=\"Teaser\" data-eventlabel=\"Gerber Grow-Up Plan & Life Insurance Review: Better for Seniors Than Saving for College\" title=\"Gerber Grow-Up Plan & Life Insurance Review: Better for Seniors Than Saving for College\" href=\"https:\/\/www.valuepenguin.com\/life-insurance\/gerber-life-review\"\u003E\u003Cimg alt=\"Gerber Life logo\" class=\"ShortcodeImage--image lazyload\" data-src=\"http:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_1.0,f_auto,h_1600,q_auto,w_1600\/v1\/referral_logos\/us\/life_insurance\/ZGRB\" src=\"http:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_2.0,e_blur:1000,f_auto,h_1600,q_1,w_1600\/v1\/referral_logos\/us\/life_insurance\/ZGRB\" 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teaser-review--image\"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--root \" \u003E\n \u003Cdiv class=\"ShortcodeImageBare--image-container \"\u003E\n \u003Cspan\u003E\u003Ca class=\"js-event-click\" data-eventcategory=\"Teaser\" data-eventlabel=\"New York Life Insurance Review: Great Variety of Whole and Universal Life Insurance Policies\" title=\"New York Life Insurance Review: Great Variety of Whole and Universal Life Insurance Policies\" href=\"https:\/\/www.valuepenguin.com\/life-insurance\/new-york-life-review\"\u003E\u003Cimg alt=\"New York Life logo\" class=\"ShortcodeImage--image lazyload\" data-src=\"http:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_1.0,f_auto,h_1600,q_auto,w_1600\/v1\/referral_logos\/us\/life_insurance\/NEWY\" src=\"http:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_2.0,e_blur:1000,f_auto,h_1600,q_1,w_1600\/v1\/referral_logos\/us\/life_insurance\/NEWY\" 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Life Insurance Research & Analysis

How Does Private Placement Life Insurance Work?

Private placement life insurance (PPLI) is a niche solution designed for wealthy individuals who want to invest in hedge funds but avoid... Read More

Ladder Life Insurance Review: Quick and Simple Coverage You Can Manage Online

Ladder offers great online term life insurance coverage with competitive rates, particularly if you want a policy with a face value over $1... Read More

Haven Life Insurance Review: Low Rates and Great Customer Service

Haven Life is an online life insurance agency only offers term life insurance, and you can apply for its coverage entirely online and... Read More

Key Man Life Insurance: Cost & Tax Treatment

Key man life insurance helps companies to reduce the risk of business disruption if employees that are critical to business operations pass... Read More

Northwestern Mutual Life Insurance Review: Low Rates and a Wide Variety of Options

Northwestern Mutual is a great insurer, whether you’re looking for term or cash value life insurance. They have very competitive rates and... Read More

How to Get Rid of Your Whole Life Insurance

Whole life insurance policies can provide valuable financial protection to your family when you pass away. But they’re expensive and can be... Read More

Gerber Grow-Up Plan & Life Insurance Review: Better for Seniors Than Saving for College

Gerber Life has a wide variety of life insurance products, from whole life insurance policies for adults and seniors to their Grow-Up Plans... Read More

The Pros and Cons of Permanent Life Insurance

Permanent life insurance policies, such as whole and universal life insurance, can be a great way to ensure your loved ones are financially... Read More

Best Life Insurance Companies: Top Term and Whole Life Insurers in 2021

We've found the largest and top rated life insurance companies, with the best options for term and whole life insurance. No matter what... Read More

Is Whole Life Insurance a Good Investment? When it's Worth it to Invest in Life Insurance

Whole life insurance might be worth it as an investment if you’ve already maxed out your retirement accounts and have a diversified... Read More

How Does Cash Value Life Insurance Work?

Cash value life insurance provides both lifelong coverage and an investment account. Learn how to maximize the cash value in whole or... Read More

What Is a Contingent Beneficiary?

Contingent beneficiaries are basically the backup that would receive your life insurance death benefit if all of your primary beneficiaries... Read More