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Term life insurance is a policy with a fixed life or term during which payments are usually made periodically (i.e. monthly or annually). At the end of the policies life the obligations of the insurer end, in terms of having to pay out a sum on the death of the insured individual.

Term life insurance policies tend to be the cheapest form of life insurance that can be acquired to provide a significant benefit on the death of an insured individual. The actual costs vary based on the parameters set by the insurer, with factors like age, general health, and smoking playing a major role in determining the actual price. The cost of term life insurance increases the older that one gets, as the chances of dying increase each year, making late-life term insurance often prohibitively expensive.The specific benefit received can vary greatly and is stipulated by the terms of the actual policy purchased, with more funds being paid out resulting in higher premiums over the contract. Typical amounts paid out under term life insurance can include:

  • Debt reimbursement to ensure the debts of the deceased don’t pass on to a spouse or dependents
  • Education costs for dependents
  • Funeral costs
  • Mortgage costs
  • Lump-sum payments

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Whole Life Insurance

Whole life insurance (or permanent life insurance) is a policy set up where a set benefit is to be paid out on the death of the insured and does not expire (as long as all required payments are made). The cost to the insured individual is often monthly or annual payments established at the onset of the policy that will not be changed over its life. The value of the policy is often a lump sum payment that is paid out on death or when the insured individual reaches the age of 100.

One benefit of whole life insurance is that it can be a good ‘forced’ saving measure for individuals when planning for their spouse or dependents. The cost of these policies can be high so they do tend to be utilized more by individuals with high income already. The biggest benefit of the plan is that the cost, while high, does not increase over time as term life insurance does. Once the terms are established the cost will remain the same.

Term Life Insurance vs. Whole Life Insurance

When it comes to purchasing term life insurance vs. whole life insurance the decision typically comes down to cost. While whole life insurance is a guarantee and the cost over your life will be consistent, it is initially often too pricey for many individuals starting a family or who are recently married. In these cases, term life insurance is likely the best route to go to ensure that you guarantee the financial security of your loved ones. As with any major financial arrangement, it is important that you do review all of the details so that you have a clear understanding of the terms of your policy and don’t have any unexpected surprises.

 

 

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How do I choose the most affordable medical insurance?

The most affordable health insurance depends on your household income. The cheapest option is to enroll in Medicaid if your income falls below 138% of the federal poverty level. This is a federally funded health insurance program that provides health benefits to low-income individuals. For those not eligible for this option, the most affordable solution may be through your state marketplace, as well as off-exchange plans, including short-term health insurance policies.

It’s important to note that the cheapest health insurance plan may not always be the right policy for you. Therefore, to find the best value coverage, you should evaluate your medical needs before buying a health insurance policy.

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Short-term health insurance

Short-term health insurance is cheaper than the marketplace health care. These plans have low-cost monthly premiums, but the policies may only extend a few months — up to one year at most, depending on short-term health insurance laws in your state.

Another reason for the reduced cost is that short-term health insurance is not required to cover the same health benefits as individual medical plans. These health policies typically will not cover all of the essential health benefits covered under the Affordable Care Act insurance found on your state marketplace.

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Cheap health insurance for students

Students often have additional health insurance options. Many universities and colleges provide free health insurance to students through a school-sponsored plan. These policies typically provide health insurance for most on-campus medical services, but you may lose the coverage if you become a part-time student or transfer schools.

Another option for some students is to purchase a student health plan. These health insurance policies are designed for full-time students between the ages of 17 and 29. Plans can be bought through most large health insurance companies and are paid either by an annual or semiannual premium. A student health plan can be a great cheap medical insurance option because you will not lose your coverage if you decide to transfer to a different school.

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Cheapest health insurance companies

When evaluating affordable health insurance policies, you will find there are some companies that consistently offer cheaper rates than others. However, these providers may not offer policies with as many benefits as other plans. This is an important factor to evaluate when searching for the best policy for your family.

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For example, our analysis found that in 10 states, the cheapest health insurance company that offers Silver marketplace health insurance was Ambetter. Ambetter has affordable medical insurance policies, but these do not include additional benefits like gym membership discounts or exclusive offers like gift cards if you participate in healthy activities.

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