{"id":2736,"date":"2024-10-03T20:35:08","date_gmt":"2024-10-03T20:35:08","guid":{"rendered":"https:\/\/wp-stg.zanderins.com\/?p=2736"},"modified":"2024-11-05T20:38:53","modified_gmt":"2024-11-05T20:38:53","slug":"what-happens-when-my-term-life-insurance-expires","status":"publish","type":"post","link":"https:\/\/wp-dev.zanderins.com\/2024\/10\/03\/what-happens-when-my-term-life-insurance-expires\/","title":{"rendered":"What Happens When My Term Life Insurance Expires?"},"content":{"rendered":"

\"life<\/p>\n

Most Term Life plans are renewable to age 90 or older. But the cost of the policy goes up substantially each year once the guaranteed level premium period expires. <\/span><\/p>\n

\n

However, the affordability and flexibility provided by the long-term rate guarantees (10,15,20,25 and 30 years) of term life plans and the financial achievements you can accomplish during that time period is the reason term life insurance<\/a> is a much better option than cash-value plans.<\/p>\n

Cash-value plans (Whole Life, Universal and Variable Life, and Return of Premium Plans) assert that you will need life insurance for your entire life, so to cover the higher cost of insuring you in your later years, they overcharge you in the earlier years of the policy. It is Dave Ramsey\u2019s opinion that the money you save with term life insurance should be used to pay off debts and grow your wealth so that, by the time you\u2019re older and the term expires, you won\u2019t even need life insurance anymore. Don\u2019t be fooled by the idea that you\u2019ll need lifelong insurance coverage \u2013 life insurance is only necessary when your death would cause your family to suffer financially due to loss of income or debt.<\/p>\n","protected":false},"excerpt":{"rendered":"

Most Term Life plans are renewable to age 90 or older. But the cost of the policy goes up substantially each year once the guaranteed level premium period expires. However, the affordability and flexibility provided by the long-term rate guarantees (10,15,20,25 and 30 years) of term life plans and the financial achievements you can accomplish […]<\/p>\n","protected":false},"author":5,"featured_media":3107,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[8],"tags":[],"class_list":["post-2736","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-term-life"],"better_featured_image":{"id":3107,"alt_text":"","caption":"","description":"","media_type":"image","media_details":{"width":740,"height":411,"file":"1-5.png","sizes":{"medium":{"file":"1-5-300x167.png","width":300,"height":167,"mime-type":"image\/png","filesize":71086,"source_url":"https:\/\/static.zanderins.com\/wp-content\/uploads\/2022\/05\/07182943\/1-5-300x167.png"},"thumbnail":{"file":"1-5-150x150.png","width":150,"height":150,"mime-type":"image\/png","filesize":34459,"source_url":"https:\/\/static.zanderins.com\/wp-content\/uploads\/2022\/05\/07182943\/1-5-150x150.png"}},"image_meta":{"aperture":"0","credit":"","camera":"","caption":"","created_timestamp":"0","copyright":"","focal_length":"0","iso":"0","shutter_speed":"0","title":"","orientation":"0","keywords":[]}},"post":2736,"source_url":"https:\/\/static.zanderins.com\/wp-content\/uploads\/2022\/05\/07182943\/1-5.png"},"acf":[],"yoast_head":"\nWhat Happens When My Term Life Insurance Expires? | Zander<\/title>\n<meta name=\"description\" content=\"Do you know what to do should your term life insurance expire? 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