{"id":20247,"date":"2022-01-05T14:08:05","date_gmt":"2022-01-05T19:08:05","guid":{"rendered":"https:\/\/lifehappens.org\/?p=20247"},"modified":"2022-01-05T14:08:06","modified_gmt":"2022-01-05T19:08:06","slug":"4-life-insurance-myths-to-rethink-as-an-empty-nester","status":"publish","type":"post","link":"https:\/\/lifehappens.org\/blog\/4-life-insurance-myths-to-rethink-as-an-empty-nester\/","title":{"rendered":"4 Life Insurance Myths to Rethink as an Empty-Nester"},"content":{"rendered":"\n[et_pb_section fb_built=”1″ theme_builder_area=”post_content” _builder_version=”4.14.2″ _module_preset=”default”][et_pb_row _builder_version=”4.14.2″ _module_preset=”default” theme_builder_area=”post_content”][et_pb_column _builder_version=”4.14.2″ _module_preset=”default” type=”4_4″ theme_builder_area=”post_content”][et_pb_text _builder_version=”4.14.2″ _module_preset=”default” theme_builder_area=”post_content” hover_enabled=”0″ sticky_enabled=”0″]

If your children are grown, the house is paid for and you\u2019re about to retire (or already have!), it may seem like your time for life insurance has passed. Perhaps you feel that your savings and investments, along with Social Security, will take care of whatever lies ahead.<\/p>\n

In fact, these misconceptions prevent many empty-nesters and retirees from purchasing or maintaining the life insurance coverage they need. If these four myths sound like you, you may want to think again.<\/p>\n

<\/strong><\/h6>\n
Myth 1: I don\u2019t need life insurance once my children are self-supporting and my mortgage is paid off.<\/strong><\/h6>\n

Perhaps, but if you died today, your spouse would still face daily living expenses. And what if your spouse outlived you by 10, 20 or even 30 years? Would your financial plans, without life insurance, enable your spouse to maintain the lifestyle the two of you have worked so hard to achieve?<\/p>\n

<\/strong><\/h6>\n
Myth 2: I\u2019ll have enough money saved by the time I die to pass something along to my children and grandchildren.<\/strong><\/h6>\n

Maybe long hours on the job and prudent management of your family\u2019s finances could achieve that plan. But what if you don\u2019t live long enough to meet your wealth-creation goals? Or what if an extended downturn in the economy negatively impacts your investments? Life insurance can create an instant estate, allowing you to leave a legacy for future generations or fund a favorite charity or cause.<\/p>\n

<\/strong><\/h6>\n
Myth 3: I thought I would need life insurance to help pay estate taxes, but that\u2019s no longer a concern.<\/strong><\/h6>\n

Even if you\u2019re not currently subject to a federal estate tax liability, there\u2019s no guarantee that will always be true. Tax laws can change very quickly. But even if they don\u2019t, there are many other reasons to maintain life insurance coverage later in life. When you die, life insurance can pay<\/a> for things like state estate taxes, outstanding debts, probate costs and funeral arrangements, allowing your loved ones to focus on their grief and not concerns about money. It can also be used to equalize an estate among your heirs or for business-succession purposes.<\/p>\n

<\/strong><\/h6>\n
Myth 4: Life insurance costs too much to buy when I\u2019m older.<\/strong><\/h6>\n

While it\u2019s true that life insurance costs more the older you get, that doesn\u2019t necessarily mean that it\u2019s out of your price range. For example, a healthy, non-smoking, 55-year-old man can buy a 20-year, $500,000 level-term policy for roughly $1,600 a year. For a healthy 55-year-old woman, the annual cost is about $1,200. So, if you have an ongoing need for coverage, don\u2019t assume that you can\u2019t afford it.<\/p>\n

To get a sense of your needs, visit our Life Insurance Needs Calculator<\/a>. In most cases, an insurance professional can help you find a policy that fits your needs and budget. Get started with our Agent Locator<\/a>.<\/p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section]\n","protected":false},"excerpt":{"rendered":"

If your children are grown, the house is paid for and you\u2019re about to retire (or already have!), it may seem like your time for life insurance has passed. Perhaps you feel that your savings and investments, along with Social Security, will take care of whatever lies ahead. In fact, these misconceptions prevent many empty-nesters […]<\/p>\n","protected":false},"author":39,"featured_media":20248,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"categories":[4,100],"tags":[53,14,191,217,55,54,88,211],"class_list":["post-20247","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-life-insurance","category-retirement-planning","tag-empty-nester","tag-life-insurance","tag-life-insurance-in-retirement","tag-life-insurance-myths","tag-preretiree","tag-retiree","tag-retirement","tag-retirement-planning"],"acf":[],"yoast_head":"\n4 Life Insurance Myths to Rethink as an Empty-Nester – Life Happens<\/title>\n<meta name=\"description\" content=\"Misconceptions prevent many empty-nesters from purchasing or maintaining the life insurance coverage they need.\" 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