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10 life insurance myths

8/4/2012

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  1. I'm single and don't have any dependents, therefore I don't need any coverage.
  2. I only need an amount of life insurance coverage equal to twice the amount of my annual salary.
  3. My term life insurance coverage at work is sufficient.
  4. At least the cost of my premiums will be deductible.
  5. I absolutely MUST have life insurance at any cost.
  6. I should ALWAYS buy term and invest the difference.
  7. Variable universal life policies are always superior to straight universal life policies over the long run because of their long-term growth potential.
  8. Only breadwinners need life insurance coverage.
  9. I should always purchase the return-of-premium (ROP) rider on any term policy.
  10. I'm better off investing my money than buying life insurance of any kind.

    Read more: http://www.investopedia.com/articles/pf/08/life-insurance-myths.asp#ixzz22aQU3fcE 
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    Owner/agent Brad Isbell is a strange person -- he actually likes to talk and blog about insurance, safety, and saving money.

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    Oliver Springs, TN

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