RSS Feed20 Year Term Life Insurance - San Diego, CA
A common question I get from my clients is, what is the difference between 20 Year Term Life Insurance and 10, 15, or 30 year term life insurance? 20 Year term simply fixes your premiums for 20 years. You know how your medical insurance or auto insurance seem to increase every year? Not so with 20 year term life insurance. You are able to lock in your price for a period of 20 years.
After the 20 year term, your premiums would rise, at which point you could convert the policy to a permanent type of insurance, such as universal life, or if you are still healthy and insurable, you could get a new 10, 15, or 20 year term. The same is true for 10 or 30 year term. You lock your premiums in for that term.
Benefits: Say you buy a 20 Year level term payment policy. Your payment cannot increase during your term, even if you start smoking, or gain 100 pounds. Even if you got cancer in year 10, your premiums could not increase. It costs a bit more than 10 or 15 year term, but that’s because you’re locking in your premium for a longer period of time, and there’s a much higher probability of there being a death over 20 years rather than just 10. Then, if you didn’t die, you could still convert the policy to Universal Life, without proof of insureability. This is an important benefit. Most term policies have the conversion option built in, but not all do, so make sure yours has this. Every term policy I sell has a conversion option.
Which do you need? It depends primarily on your age and how long you’ve got left to work. I use an income replacement model to calculate the term and face value needed. Say you’re 60 years old and only plan to work another 10 years. 10 year term will probably suffice, because if something happens to you tomorrow, your spouse will be able to replace your income for 10 years with the death benefit proceeds. However, if you’re 50 years old, you should probably have a 20 year term policy. This is a simplified version of how I calculate the amount you need and what type of term.
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