{"id":3658,"date":"2025-03-23T17:30:47","date_gmt":"2025-03-23T17:30:47","guid":{"rendered":"https:\/\/wp-dev.zanderins.com\/?p=3658"},"modified":"2025-04-04T21:32:58","modified_gmt":"2025-04-04T21:32:58","slug":"is-there-a-benefit-to-having-policies-with-different-term-lengths-2","status":"publish","type":"post","link":"https:\/\/wp-dev.zanderins.com\/2025\/03\/23\/is-there-a-benefit-to-having-policies-with-different-term-lengths-2\/","title":{"rendered":"Is There a Benefit to Having Policies with Different Term Lengths?"},"content":{"rendered":"

\"\"<\/p>\n

\u201cLaddering\u201d policies is a common strategy, as many people anticipate needing less life insurance as they get older and are further along in their debt-free journey. This is where the Insured staggers policies at varying term lengths to cover specific needs, and is especially helpful if you have major financial obligations that end at different times. The face amount for each policy would reflect the amount of money needed to pay off a specific obligation. For instance, an Insured may have one 15-year policy to cover their mortgage, and a 20 or 30-year policy related to other needs such as income replacement until retirement and education expenses for their children.<\/p>\n

An additional benefit to laddering policies is the potential cost savings over buying one long-term policy with a high amount of coverage, as shorter term periods result in lower premiums.<\/p>\n","protected":false},"excerpt":{"rendered":"

\u201cLaddering\u201d policies is a common strategy, as many people anticipate needing less life insurance as they get older and are further along in their debt-free journey. This is where the Insured staggers policies at varying term lengths to cover specific needs, and is especially helpful if you have major financial obligations that end at different […]<\/p>\n","protected":false},"author":5,"featured_media":3747,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[8],"tags":[19],"class_list":["post-3658","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-term-life","tag-homepage-blog"],"better_featured_image":{"id":3747,"alt_text":"","caption":"","description":"","media_type":"image","media_details":{"width":740,"height":411,"file":"23-5.png","sizes":{"medium":{"file":"23-5-300x167.png","width":300,"height":167,"mime-type":"image\/png","filesize":109445,"source_url":"https:\/\/static.zanderins.com\/wp-content\/uploads\/2025\/03\/04213254\/23-5-300x167.png"},"thumbnail":{"file":"23-5-150x150.png","width":150,"height":150,"mime-type":"image\/png","filesize":50599,"source_url":"https:\/\/static.zanderins.com\/wp-content\/uploads\/2025\/03\/04213254\/23-5-150x150.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":3658,"source_url":"https:\/\/static.zanderins.com\/wp-content\/uploads\/2025\/03\/04213254\/23-5.png"},"acf":[],"yoast_head":"\nIs There a Benefit to Having Policies with Different Term Lengths? | Zander Insurance<\/title>\n<meta name=\"robots\" content=\"noindex, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Is There a Benefit to Having Policies with Different Term Lengths? | Zander Insurance\" \/>\n<meta property=\"og:description\" content=\"\u201cLaddering\u201d policies is a common strategy, as many people anticipate needing less life insurance as they get older and are further along in their debt-free journey. This is where the Insured staggers policies at varying term lengths to cover specific needs, and is especially helpful if you have major financial obligations that end at different […]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/wp-dev.zanderins.com\/2025\/03\/23\/is-there-a-benefit-to-having-policies-with-different-term-lengths-2\/\" \/>\n<meta property=\"og:site_name\" content=\"Zander Insurance\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/ZanderInsurance\/\" \/>\n<meta property=\"article:published_time\" content=\"2025-03-23T17:30:47+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-04-04T21:32:58+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/static.zanderins.com\/wp-content\/uploads\/2025\/03\/04213254\/23-5.png\" \/>\n\t<meta property=\"og:image:width\" content=\"740\" \/>\n\t<meta property=\"og:image:height\" content=\"411\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Aynsley Broom\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@zanderinsurance\" \/>\n<meta name=\"twitter:site\" content=\"@zanderinsurance\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Aynsley Broom\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/wp-dev.zanderins.com\/2025\/03\/23\/is-there-a-benefit-to-having-policies-with-different-term-lengths-2\/\",\"url\":\"https:\/\/wp-dev.zanderins.com\/2025\/03\/23\/is-there-a-benefit-to-having-policies-with-different-term-lengths-2\/\",\"name\":\"Is There a Benefit to Having Policies with Different Term Lengths? 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