Feb 22
Tip For Saving On Insurance Premiums
Many of us take the easy path in life insurance, buying the package offered by our employers. These policies are generally marketed as cheaper and better because of the 'group rate' offered and/or the quality of the employer. But RealSimple notes that if you are a low-risk policy holder, that simply isn't true:
A healthy woman in her late 30s could save 20 percent annually by purchasing a $500,000 life-insurance policy independently, estimates P.J. Patierno, a financial planner based in Greenwood Village, Colorado. Why? The rates charged at work are designed to cover the liabilities of everyone in your office. “The overweight girl down the hall or the smoker upstairs is getting the same coverage as you,
Comments
Unless you have kids, live-in relatives, or a stay-at-home or financially-dependent spouse, life insurance is not necessary. For single people, the easiest way to save on life insurance is to simply not buy it. The main purpose of life insurance is to protect those people who depend on your income for a living in case you die. If the only individual reliant upon you is a precious pet, then you may need very little if any life insurance.
Carnival of Personal Finance #37
Welcome to this week's edition of the Carnival of Personal Finance. The MoneyBlogNetwork is proud to be hosting today. As a summary of each piece, we are listing each author's reason for submitting the post to the carnival (for those...
[...] Supply and Demand. Now that I’ve given the short answer, it’s time to explain the macro factors behind interest rate variations. But I’m going to keep referring to those first three words. It is a tradeoff between the supply of money and demand for it. ()Tip For Saving On Insurance Premiums. Group insurance policies aren’t always the least expensive, especially if you are part of a low risk group. (Sound Money Tips) [...]
If you're older or you suffer from a chronic health condition, increasing your coverage through work might be less expensive than buying an individual policy. If you're young and healthy it is NOT a good deal. Either way before you buy, you should shop around through a brokerage as suggested.
When employment ends with a company then the insurance ends. You can pay a huge premium if you prefer. IRS PS 58 table to calculate how much extra tax you will have to pay should be something to ask your boss. ALSO if you are a highly paid corporate executive I would advise you to get explanation of benefits at retirement regarding insurance continuation post retirement.
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