Life Insurance

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Do I Need Life Insurance?

Life insurance is about protecting loved ones from financial burden should you die prematurely. If you have children or other dependents, life insurance probably makes sense for you.

How Much Does Life Insurance Cost?

The cost of life insurance can vary greatly based on a number of factors. Some of the factors used to calculate your premium are:

  • Age: In general, the younger you are, the less likely you are to pass away. This means life insurance costs less the earlier you get started.
  • Health Condition: Your height, weight, blood pressure, and other basic health information is used to determine your premium.
  • Tobacco Use: Using tobacco products and/or nicotine usually means your life insurance will cost more.
  • Medical History: If you’ve previously had medical concerns, that may be factored in to your premium.
  • Lifestyle: If you engage in high risk activities like skydiving or rock climbing,  you may pay more.

That being said, life insurance doesn’t necessarily need to cost a lot. A $250,000 term policy for a 30 year old male in good health starts as low as $12 per month.


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