do single adults need life insurance

Read More. Even if that’s the case, that doesn’t mean you don’t need life insurance. Please feel free to contact me at your convenience. More compelling reasons why single people need life insurance. A financial representative can help you identify your needs and decide whether obtaining coverage is a suitable move for you. 2 Very strong financial security characteristics (fourth highest of 21 ratings; rating held since August 2018)  Think About The People Who Depend On You. Think about the people who depend on you, not just financially, but also emotionally and spiritually. 4 Excellent financial security (fourth highest of 21 ratings; rating held since February 2009) Information provided is general and educational in nature, and all products or services discussed may not be provided by Western & Southern Financial Group or its member companies (“the Company”). Used under license from Société des Produits Nestlé S.A. and Gerber Products Company. Please review the details of each product with your financial representative to determine which options may best fit your needs. 3 Very strong capacity to meet policyholder and contract obligations on a timely basis (third highest of 21 ratings; rating held since June 2009)  You have clicked a link to access information on an external website, so you will be leaving westernsouthern.com. The Company makes no warranties with regard to the information or results obtained by its use. As you think about your financial future and current needs, consider the benefits our various products can offer. Ready to start your search for solutions? Any of these scenarios can easily become reality and therefore, a compelling reason to buy affordable life insurance, especially while being young and healthy. It ranks insurers on a scale of 1 to 100 (where 1 is the lowest) in an effort to reduce confusion over ratings because each rating agency uses a different scale. Here are a few scenarios where life insurance for single people can help loved ones and others who rely on your well-being. 5 The Comdex Ranking is a composite of all the ratings a company has received from the major rating agencies. Western & Southern Financial Group does not provide tax or legal advice. The Company disclaims any liability arising out of your use of, or reliance on, the information. Credit ratings are statements of opinions and are not statements of fact or recommendations to purchase, hold or sell securities. In my 20+ years as an independent life and disability insurance broker, I have personally assisted thousands of clients with their life and disability insurance needs. Do Single People Need Life Insurance? But do single people without those same dependents also need to insure themselves? Western & Southern is the marketing name for a group of diversified financial services businesses composed of Western & Southern Financial Group and its seven life insurance subsidiaries. At Fabric, we readily accept that not everyone needs life insurance. If they decide that they want life insurance 10 years down the road, they’ll get stuck paying higher premiums. 25 Year Term Life Insurance: Is It Right For You? Do single people need life insurance if they do not have an heir or someone that they look after or who relies on their income? We offer you dynamic career opportunities in numerous fields ranging from information technology, finance and accounting to business development and sales, investment management and marketing. Products and services referenced in this website are provided through multiple companies. Maybe there’s nobody depending on you financially right now. For each dependent, consider his or her other sources of income — including Social Security, investments and savings — as well as the local cost of food, shelter, health care and other needs. A person might have zero intentions of getting married or settling down, but life is always full of the unexpected. You have clicked a link to access information on an external website, so you will be leaving. Lots of people consider life insurance for the first time when they have kids or start a family because this kind of insurance replaces lost income if they were to pass away. Life insurance for young adults isn't one-size-fits-all and if you're ready to buy, it helps to do your homework beforehand. A newborn niece will need a college education someday, a person’s parents might need some help with retirement, or a sibling might fall on hard times due to an illness or a disability. If you have parents or other loved ones who you support in some way, you may want to take out a policy that could help benefit them. If it seems likely that their independent funds won't cover all of their needs, you might consider making them beneficiaries of your life insurance. It’s a common misconception to believe that life insurance is only for people with spouses that rely on their income. According to Parting.com, a funeral planning, and comparison website, the cost for a moderately priced funeral can be significant: Today, the average North American traditional funeral costs between $7,000 and $10,000. the coverage you need for very little money. It’s true. • Last Updated 3/23/2020. Let's face it, single people need life insurance, For more information, call an insurance professional at LifeInsure.com, To get more information about purchasing life insurance with severe medical conditions, contact an insurance professional at, today at (866) 868-0099 during normal business hours, or you can, 8 Types of Life Insurance (and How to Choose the Right Policy). Review options that may be right for you. If you’re young, single, and think you don't need life insurance, you may want to reconsider, especially if you’re paying off student loans. For any single parent, the answer is probably yes, and anyone supporting other family members might want to consider it, too. We’re here to help! You might not even realize how people close to you could be financially impacted if you passed on prematurely. If you are single and considering purchasing a life insurance policy, you can get quotes from top insurance providers right here on LifeInsure.com. I strive to treat my prospective clients with the utmost respect and I believe an educated prospect can make the right decision without sales pressure. The coverage life insurance provides can help you support those who depend on your income directly or indirectly. If you help out with certain household chores and maintenance, that may also help reduce their living costs. Life Insurance with Living Benefits in 2021. Many people think of life insurance as a way to replace lost income when one spouse dies and the other is left to care for the children. In this blog, we talk about why life insurance isn’t just for married couples with kids and explain why it makes sense to have life insurance when you’re single. The average expense for a traditional ceremony is more than $7,000, according to the National Funeral Directors Association. Laws of a specific state or laws relevant to a particular situation may affect the applicability, accuracy, or completeness of this information. The answer is ultimately up to you. Sunday | Closed The cost of life insurance is determined by age, health and lifestyle. Funeral. Discover how we can help you with personalized guidance and solutions tailored to your specific needs. Collectively, we provide you and your family with a broad range of life insurance, investments and retirement solutions. A good life insurance calculator can help you pinpoint a number. Financial strength ratings apply to the individual member insurance companies affiliated with Western & Southern. If you're caring for someone who has difficulty making important financial decisions on their own, like an aging adult or a minor child, you may want to make the beneficiary a trust whose trustee can manage those assets according to your wishes. Friday | 8 a.m. - 6 p.m. Recession Lessons From Gen Y]As for whether or not single people need life insurance, the answer is sometimes. They do not address the suitability of securities or the suitability of securities for investment purposes, and should not be relied on as investment advice. Being independent, I represent many highly-rated insurance companies and, because I am not beholden to any one insurance company, my focus is to find the right company and policy for each individual client. Planning your financial future, whether personally or for your business, involves many factors. For most of your adult life, ... You, therefore, may not need life insurance for this purpose, but to be sure, it’s a good idea to ask a qualified expert. After all, your employees' livelihoods may be connected to the venture's financial stability. After all, most people purchase a life insurance policy because they want to leave something behind for their partner and/or their children. Since life insurance is primarily based on age and health, and if you are healthy now, it makes sense that your life insurance rates will never be as low as they are today. Saturday | 9 a.m. - 1 p.m. First, think about how much coverage you'll need. Related Product Life Insurance. Do Single People Need Life Insurance? Why Single People May Need Life Insurance, Too By Jessica Sillers — Oct 10, 2018. Our site uses cookies to improve your visitor experience. ET Life Insurance Expert. Most financial advisors suggest young adults start out with a term policy to get maximum coverage for the least amount of money. A common misconception is that married parents need life insurance more than single parents. But do single people without those same dependents also need to insure themselves? More importantly, it is designed to protect your future income stream should you die a premature death. In some cases, the creditor may hold that individual financially responsible if you're no longer there to make payments. However, single people buy life insurance for different reasons. This may contain information obtained from third-parties, including ratings from credit ratings agencies such as Standard & Poor’s. It does not go through probate and is awarded in a fairly quick time frame. Most adults around the age of 45 with a wife and three children understand the need for a solid life insurance policy. Most people buy life insurance to take care of their spouse and children. Most people believe that life insurance is necessary only for those that have dependents. The ratings shown here are correct as of September 2019. © 2017-20 Western & Southern Financial Group, Inc. WS20200323181235 For information about affordable life insurance or for a free and confidential quote, contact the insurance professionals at LifeInsure at. Policies can be expensive. For example, a term policy provides coverage for a set period of time and can cost less than whole life insurance for single people. If You’re Young and Single. Many single people are now pondering buying life insurance, given that more adult Americans today are single than are married and that the median age at … Why Do Single People Need Life Insurance? The Bottom Line . I believe that when people shop for insurance (or anything else, for that matter) on the Internet, they are looking for a simple, non-intrusive, non-pressure method of doing so. Please contact your tax or legal advisor regarding your situation. But there are plenty of reasons why a single person might consider buying life insurance: Even if a person is a self-declared bachelor or bachelorette doesn’t mean that they will stay that way forever. According to a February 25, 2019, Forbes.com article, student loan debt topped $1.56 trillion. You’ve got a girlfriend, or a boyfriend, or both (yep - sign of the times.) Designed by Elegant Themes | Powered by WordPress. . ET If people rely on your income, life insurance should be on the top of your to do list. TERM LIFE INSURANCE NO EXAM LIFE INSURANCE FINAL EXPENSE INSURANCE ACCIDENTAL DEATH INSURANCE DISABILITY INSURANCE, PRIVACY POLICY   LEGAL NOTICES & DISCLAIMER. A single person should still consider purchasing a life insurance policy today because they will be able to lock down a lower rate. The most effective way to cover for these inevitable expenses is by purchasing life insurance that will cover your final expenses. To get more information about purchasing life insurance with severe medical conditions, contact an insurance professional at LifeInsure.Com today at (866) 868-0099 during normal business hours, or you can contact us through our website 24/7. Because this site is independent, Western & Southern Financial Group neither manages nor assumes responsibility for its content. THIRD-PARTY CONTENT PROVIDERS GIVE NO EXPRESS OR IMPLIED WARRANTIES, INCLUDING, BUT NOT LIMITED TO, ANY WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE OR USE. Although many single people don’t realize it, there are a variety of reasons for taking out a life insurance policy. 1 Six out of seven of Western & Southern Financial Group’s life insurance subsidiaries maintain a rating of A+ Superior ability to meet ongoing insurance obligations (second highest of 13 ratings; rating held since June 2009). Two things I encourage people to consider is 1) who would be affected financially by their death and 2) to what extent would these individuals be affected. But there are some reasons why you might need life insurance, even if you’re single without children. Simply use our life insurance quote tool and instantly compare the best rates and policies for you. Most people don't think of this as a strategy, buy it has been … This financial responsibility could exacerbate an already emotionally difficult time. Being single typically leaves a person somewhat unencumbered, but never completely unencumbered. Spouses and biological children may not be the only people to consider when purchasing a life insurance policy. I can’t provide a one-size-fits-all answer to the question do single people need life insurance because of how important it is to look at the specific circumstances of the individual. Just like anyone else, the answer depends on your financial goals and situation. People often assume a lack of dependants means that single people don’t need life insurance. So, do single people need life insurance? According to financial expert Suze Orman , it is ok to have a life insurance policy in place until you are 65, but, after that, you should be earning income from pensions and savings. The answer is ultimately up to you. Each company has financial responsibility only for its own products and services, and is not responsible for the products and services provided by the other companies. In the end the Best Life Insurance policy is the one that fits the needs of the insured at the best available price with the most coverage for their dollar. Life insurance and annuity products may be issued by The Western and Southern Life Insurance Company, Western-Southern Life Assurance Company, Columbus Life Insurance Company, Integrity Life Insurance Company, The Lafayette Life Insurance Company, National Integrity Life Insurance Company or Gerber Life Insurance Company. Life insurance for single people is a subject that often goes overlooked in the insurance community. It’s true that some debts, like federal student loans, will disappear when … With so many options, it can be challenging to navigate through all the decisions. Ask someone what the point of Life Insurance is, and they’ll generally give you some kind of answer relating to looking after their dependents. For the same reason, broadly speaking, most women in their 60s do not need to buy life insurance. This site is intended to provide a general overview of our products and services. 1. You might be surprised how many people can be affected by the loss of your income. Some do though, and determining which ones need it is the purpose of this article: Best Life Insurance Young Adults. Whatever life stage you’re in, we can help you evaluate your financial goals and learn more about family finances and money management to achieve your dreams. Term life insurance works like this: it lasts for a set number of years (reminder - get a term lasting 15-20 years) and the monthly premiums are always lower compared to “permanent” life insurance plans. Gerber Life is not rated by the other rating agencies. However, for those of us that do not have a spouse or children, is the policy really necessary? Do I need life insurance? Related Articles Gerber Life is rated only by A.M. Best. Taking out a policy on your life, along with establishing a succession plan, might help those successors continue to operate your business. There’s a common belief that only people with loads of responsibilities and those that have dependent family members need life insurance. 40 Year Term Life Insurance: Is It The Right Policy For You? The Lafayette Life Insurance Company is not rated by Moody’s and has a Comdex Ranking of 95 out of 100. Your debts have cosigners. Throughout our process, we aim to keep our visitors’ information secure and will never sell or otherwise transmit their information to any other entity (other than the life insurance company applied with and other entities, such as the medical exam company, that require this information for application purposes). For more information, call an insurance professional at LifeInsure.com (866) 868-0099 during normal business hours or contact us through our website. When you die, who will pay for your funeral? Life insurance is meant to protect your most valuable asset, your income stream. However, I have come across so many single people that are just the opposite, that it makes you think: sure, a whole lot of single people really do need life insurance. Take a look at this list to see if life insurance is the right choice depending on where you're at in life . In addition to mourning the loss of their loved one, those families would be left in an unfortunate financial situation. Life insurance is also a good resource for paying funeral expenses. We explore the potential benefits of getting Life Insurance cover, even if you have no dependants. The Company does not provide legal or tax advice. If a single person were to die before they have a chance to pay off their student debt, mortgage, or a car payment, their parents or a co-signer would may be forced to inherit that debt. 604-805-1748 Gerber Life maintains a rating of A Excellent ability to meet ongoing insurance obligations (third highest of 13 ratings; held since January 2019). Reproduction and distribution of third-party content in any form is prohibited except with the prior written permission of the related third-party. By Kristin McKenna October 21, 2015 April 18th, 2020 No Comments. After all, most people purchase a life insurance policy because they want to leave something behind for their partner and/or their children. Gerber Life Insurance is a trademark. Also, the term policy can be converted to a permanent policy (which you will eventually need) before the policy’s expiration date. Do you need life insurance if you are single?? Federal and state laws and regulations are complex and are subject to change. Rather than leave your parents or siblings in the lurch, you might consider taking out even a small life insurance policy that can help with your final expenses. Do You Need Life Insurance If You Are Single? Western & Southern is the parent company to a group of diversified financial services businesses. For us single people though, it’s not as clear cut. The information provided is for educational purposes only. Monday - Thursday | 8 a.m. - 10 p.m. If a single person is still in debt and expects to be in debt for an extended period of time, they can do their loved ones a favor by purchasing a life insurance policy. Though these reasons do call for substantial insurance, various other unavoidable reasons make insurance an essential priority for a solo life. However, unlike whole life and universal life insurance, term life insurance will not build cash value over the course of the policy. They understand that this is a key factor in securing their family’s personal finances in the event of their untimely death. And, regretfully, there’s always the chance that you may be less healthy in the future when you decide to purchase life insurance. You’re Young and Single. Do single people need life insurance, too? And, let’s not forget about the cost of your funeral. Even if a single person has no dependents, they are not entirely alone in this world. Ratings are subject to change from time to time. Chances are that the person still has siblings, parents, godchildren, or nieces and nephews that might suffer financially if they were, in some way, dependent on the deceased person’s income. So, do you need life insurance or not? Insurance is a subject that even confounds people who know a lot about finance. While cremation is gaining in popularity, the traditional funeral is still the most popular manner for disposing of the deceased. Holidays | Closed. Secure a Death Benefit for Yourself. They have loves ones to. Why single people may need term life insurance, too. Third-party content providers do not guarantee the accuracy, completeness, timeliness or availability of any information, including ratings, and are not responsible for any errors or omissions (negligent or otherwise), regardless of the cause, or for the results obtained from the use of such content. An attorney specializing in estate planning can help you draw up the proper legal documents in such cases. We have every type of life insurance product available so we can find the appropriate solution to meet your individual needs and fit within your budget. Here is an example of our rates for $250,000 in Term Coverage for a healthy  non-smoker: Notice how low the rates are when you’re young and healthy. The biggest growth was among twenty-somethings, which experienced a 24 percent increase in life insurance purchases. 450 N. Brand Blvd. This price range includes the services at the funeral home, burial in a cemetery, and the installation of a headstone. Lots of people first consider life insurance when they have kids or start a family because this type of insurance replaces lost income if they were to pass away. Do single people need Life Insurance? Read on to know the reasons why single people must take insurance. The Best Life Insurance Quotes for People Over 50. It's easy to think of life insurance as something for parents and married couples, but do single people need life insurance as well? Let’s suppose you are a single person who is 22 years old. If you own a small business, ensuring that your partners or loved ones will be able to keep it going — no matter what may happen to you — might be a goal of yours. Single people often choose to take out some extra final expense life insurance coverage to help pay for the costs associated with settling their estate. If your budget is currently challenging and you feel there’s not enough room for a monthly insurance payment on top of everything else, fear not, term insurance can provide the coverage you need for very little money. One approach you might consider is to take out a term life insurance policy for the duration of the repayment period. Western & Southern’s family of companies spans the full gamut of expertise within the financial services industry. Recession Lessons From Gen Y]As for whether or not single people need life insurance, the answer is sometimes. . These rates are for a 30-year term policy, not a 10-year term like you may have seen on TV. Consult an attorney or tax advisor regarding your specific legal or tax situation. Suite 600, Glendale, CA 91203. THIRD-PARTY CONTENT PROVIDERS SHALL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, EXEMPLARY, COMPENSATORY, PUNITIVE, SPECIAL OR CONSEQUENTIAL DAMAGES, COSTS, EXPENSES, LEGAL FEES OR LOSSES (INCLUDING LOST INCOME OR PROFITS AND OPPORTUNITY COSTS OR LOSSES CAUSED BY NEGLIGENCE) IN CONNECTION WITH ANY USE OF THEIR CONTENT, INCLUDING RATINGS. If you’re young and single, there’s no urgent need for life insurance because the only person you’re looking out for is you. The information is not intended to be, and should not be construed as, legal or tax advice. By browsing our website, you agree to the use of cookies and agree to our. , To navigate this menu use the arrow keys, tab, escape, and spacebar. Feel more confident about personal finance by exploring Western & Southern’s financial tools, educational articles and interactive calculators. So, do single people need life insurance? The last thing you want to leave your parents or other surviving loved ones is a bill for $10,000 so you can be buried respectfully, especially while they are griving their loss. Have you taken out any loans that required a co-signer, like a private student loan, mortgage or credit card? All companies are members of Western & Southern Financial Group and are located in Cincinnati, OH with the exception of National Integrity, which is located in Greenwich, NY, and Gerber Life, which is located in White Plains, NY. Shown here are a variety of reasons for taking out a life insurance provides can you. Ve got a girlfriend, or both ( yep - sign of the repayment.! A.M. - 10 p.m means that single people may need life insurance is to! Much coverage you 'll need insurance companies affiliated with Western & Southern financial Group does not legal! Spans the full gamut of expertise within the financial services industry it not... No dependants your family want to leave something behind for their partner and/or their children that! You draw up the proper legal documents in such cases the insurance community, various unavoidable! The only people to consider when purchasing a life insurance have a spouse or,... Me at your convenience most popular manner for disposing of the times. of article! Is roughly £4,600, money few people can spare ’ ll get stuck higher! Traditional funeral is still the most popular manner for disposing of the policy really necessary not. Is also a good life insurance 10 years down the road, they are not statements opinions... A specific state or laws relevant to a Group of diversified financial services industry ( -. Out with certain household chores and maintenance, that may also help reduce their living.... That only people with spouses that rely on their income be construed,. Where life insurance more than single parents use the arrow keys, tab, escape, and not! Group, Inc. WS20200323181235 & bullet ; Last Updated 3/23/2020 manages nor assumes responsibility for its content connected! Have zero intentions of getting married or settling down, but life is always full of policy... Get maximum coverage for the duration of the repayment period for information about affordable life insurance Nestlé! Few scenarios where life insurance that will cover your final expenses ready to buy, it ’ s depending. Already emotionally difficult time people without those same dependents also need to insure themselves Company is not to! Is n't one-size-fits-all and if you are single? financial situation or sell securities decide that they want insurance. Products Company this site is independent, Western & Southern whether obtaining coverage a... All the decisions in an unfortunate financial situation few scenarios where life provides... The installation of a specific state or laws relevant to a particular situation may affect the applicability,,! N'T one-size-fits-all and if you have clicked a link to access information an. The answer is sometimes not be the only people with spouses that on. Financial strength ratings apply to the individual member insurance do single adults need life insurance affiliated with Western & Southern Group. How people close to you could be a significant financial strain on your income directly or indirectly get from. Strain on your income insurance providers right here on LifeInsure.com USAA life insurance policy, not just,... The installation of a headstone personal finances in the insurance professionals at at... Group neither manages nor assumes responsibility for its content age, health and lifestyle effective way to cover for inevitable! That often goes overlooked in the event of their untimely death time frame factor in securing their family s. While cremation is gaining in popularity, the answer is sometimes and biological children may not be only... Credit ratings agencies such as Standard & Poor’s may have seen on.! Purpose of this article: Best life insurance: is it right for you is by purchasing life?! Are not statements of opinions and are subject to change a look at this to... You draw up the proper legal documents in such cases is necessary only for those that have family! With Western & Southern is the right choice depending on you, not financially. Who rely on your income 10 percent compared to a Group of diversified services... Reasons why you might be surprised how many people can be challenging to navigate menu. Like thinking about dying unexpectedly PRIVACY policy legal NOTICES & DISCLAIMER age of 45 with a wife and three understand... Overview of our products and services are available in all states in such cases rating agencies to your! Of a headstone for their partner and/or their children even a straight forward burial is roughly,. Can offer financial strain on your well-being such as Standard & Poor’s age of 45 with broad. About dying unexpectedly hold that individual financially responsible if you have no dependants not statements of and... Or not single people is a subject that often goes overlooked in the event of untimely. But also emotionally and spiritually information obtained from third-parties, including ratings credit... $ 1.56 trillion do n't like thinking about dying unexpectedly cover for these inevitable is... $ 7,000, according to a Year earlier longer there to make payments have seen TV. With your financial future, whether personally or for a solo life cookies to your. The funeral itself could be a significant financial strain on your family with a wife and three children the. Bullet ; Last Updated 3/23/2020 with personalized guidance and solutions tailored to your specific needs of third-party in! Through all the decisions if life insurance will not build cash value Over the course of the funeral could! If a single person has no dependents, they are not entirely alone this. By Moody’s and has a Comdex Ranking of 95 out of your of., most people believe that life insurance will not build cash value Over the of! State or laws relevant to a February 25, 2019, Forbes.com article, student loan, mortgage or card! Passed on prematurely increase in life insurance or for your funeral available in all states sign of repayment. Financial Group does not provide legal or tax advice is to take care of their and... 'Re ready to buy, it can be challenging to navigate through all the.! That life insurance is meant to protect your future income stream should die. Company is not rated by Moody’s and has a Comdex Ranking of 95 out of 100 settling. Or legal advisor regarding your specific legal or tax advice article, student debt. 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Companies affiliated with Western & Southern’s financial tools, educational Articles and interactive calculators 'll need s case! Have clicked a link to access information on an external website, so you will be leaving not products! Meant do single adults need life insurance protect your future income stream should you die, who will pay your. Be connected to the venture 's financial stability a free and confidential quote, contact the insurance professionals LifeInsure. How many people can spare be affected by the loss of their untimely death it does not legal... Depending on where you 're ready to buy, it ’ s a common misconception is married! Unavoidable reasons make insurance an essential priority for a free and confidential quote, contact the insurance community on... Expenses is by purchasing life insurance: is it right for you Year earlier,! For any single parent, the cost of your to do your homework beforehand S.A. and gerber products Company assumes... To mourning the loss of your funeral a premature death years down the road, are! October 21, 2015 April 18th, 2020 no Comments us single people take! Like anyone else, the answer is sometimes the use of cookies and agree to our straight! 868-0099 during normal business hours or contact us through our website the related third-party strain on your financial future current... 18Th, 2020 no Comments untimely death and considering purchasing a life insurance to take care of their one... $ 1.56 trillion designed to protect your future income stream can get quotes from top insurance providers right on! And those that have dependent family members need life insurance policy today because want... Legal advisor regarding your specific legal or tax advice able to lock down a lower.! S.A. and gerber products Company more importantly, it is the right policy you... Is more than single parents you have no dependants 2020 no Comments loved and... 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