# Life Insurance, Really?

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1 YNAB PRESENTS Life Insurance, Really? A primer on why you need it, what you need (and what you don t). YouNeedABudget.com

5 3. Education expenses. Most schools provide a calculator to figure out what will be required for each dependent. If you aren t planning on helping your dependents with education, you can skip this portion. In Bill s case, he has a 15-year old daughter, and plans on helping pay for her education, to the tune of \$50, Income replacement. With funeral expenses, all debts, and education paid, Bill can compute what portion of his income is still needed. Bill s gross income is \$60,000. His income will no longer be needed to: a. Save for retirement. Bill was saving 10% of his gross income for retirement (\$6,000 annually). b. Service \$300,000 of debt (\$21,600 annually). c. Save for his daughter s college education (\$2,400 annually). His income needing replacement drops from \$60,000 to \$30,000 (\$60,000 - \$ \$21,600 - \$2,400). A quick way to get to a lump sum that would provide income replacement, is to multiply the required income by 25. With Bill s required gross income of \$30,000, you multiply by 25, yielding life insurance needs for income replacement of \$750,000. To sum up, Bill will need: \$15,000 for funeral expenses \$300,000 for outstanding debts \$50,000 for his daughter s higher education, and \$750,000 for the remaining income replacement. Bill s total life insurance needs are \$1,115,000. You can walk through the same exercise, and determine your own life insurance needs. Many of the online life insurance needs calculators are sponsored or provided by life insurance agents, brokers, or agencies. They have a very strong economic interest in having your life insurance needs be much higher than necessary, because they stand to make a larger commission. Just keep this in mind when shopping around online for life insurance, and using a calculator as the basis for your needs. SIDENOTE: Many employees end up with group life insurance. This comes with several significant problems: 1) the amount of insurance is usually inadequate, 2) the price is too high, 3) the insurance doesn t go with you when you change jobs, and 4) the price usually increases each year. The best deals are found by shopping the private market. 5

6 What Kind of Life Insurance is Needed? This is the easiest part of the whole process. You need term insurance. NOTHING ELSE. Do not fall for any other type of insurance. Agents will try and sell you all kinds of fancy insurance: whole life, variable, universal if it isn t term insurance, and only that, then your agent is trying to maximize their commission at your expense, or they are making recommendations based on the training the insurance company has given them. Either way, neutrality is in question. Term insurance policies provide the smallest commission of any life insurance product out there. What s term insurance? You agree to pay a fixed annual premium, for a given term (the length varies, expressed in years). If you pass away during that term, your heirs are paid the death benefit attached to the policy. Pretty simple, isn t it? With life insurance, we like simple. For those of you that are big fans of permanent life insurance, like whole life, please understand that I am not just saying this because it s a popular thing to say. I ve had a whole life insurance agent in my home for several hours, over multiple visits, and we hashed out all sorts of possibilities. I have an extremely high tax bracket, earn a good living, and am as good a candidate as any when it comes to these whole life policies...and the numbers were still very unimpressive. You need term insurance. THAT S IT. 6

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