{"id":471,"date":"2016-08-14T03:13:27","date_gmt":"2016-08-14T03:13:27","guid":{"rendered":"http:\/\/www.keystoneinsurance.us\/?p=471"},"modified":"2016-08-14T03:13:27","modified_gmt":"2016-08-14T03:13:27","slug":"is-life-insurance-expensive","status":"publish","type":"post","link":"https:\/\/keystoneinsurance.us\/?p=471","title":{"rendered":"Is Life Insurance Expensive?"},"content":{"rendered":"

\"August_Blog_2\"<\/a><\/p>\n

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Have you been thinking about purchasing life insurance, but worried that it might be too expensive<\/strong> for your family right now?\u00a0 Today we\u2019ll show you how to get great life insurance for any budget!<\/p>\n

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LifeHappens.org<\/a> reports that 86% of Americans haven\u2019t bought life insurance because it\u2019s \u201ctoo expensive\u201d yet overestimate its true cost by 2x!<\/p>\n

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So it\u2019s time to set the record straight so that you can get the right coverage for your family.<\/p>\n

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Life insurance, like all insurance rates, is determined by risk.\u00a0 The greater the risk of death, the higher the cost.\u00a0 In a young, healthy person life insurance is extremely inexpensive, generally less than $20-25 a month for a term insurance plan.<\/p>\n

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As we\u2019ve discussed on our blog before, there are two main kinds of life insurance policies, term and whole life.\u00a0 Term insurance policies are only active for a set term, generally 10, 20, or 30 years.\u00a0 The shorter the term, the less expensive the premium, since the risk of death decreases.<\/p>\n

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If you have young children and need life insurance at the lowest possible price, then a term policy is a great option!\u00a0 You can get inexpensive coverage to protect the family just until the kids are grown (or whatever your long term goal might be).<\/p>\n

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Remember, you also get to choose the amount<\/em> of insurance you need.\u00a0 If you only require $50,000 in coverage, then you\u2019ll pay less than you would for $250,00 in coverage.\u00a0 The amount of coverage you need will depend on your household income, debt, and how you want your life insurance to be used.<\/p>\n

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All of these factors can be adjusted to make the policy work best for YOU!<\/p>\n

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The best way to make life insurance work for your budget is to work with a local agency (like us!)\u00a0 We\u2019ll run a variety of quotes at different coverage amounts and terms so you have several options.\u00a0 We\u2019ll also look at your current age, health status, family obligations, and your long-term protection goals to recommend the best possible coverage.\u00a0 Call us today to schedule a free, no-obligation consultation and quote!<\/p>\n

Zappia Insurance & Financial Group<\/strong><\/p>\n

Toll-Free 1-800-569-2867<\/strong><\/p>\n

Du Bois & Treasure Lake (814) 371-4901<\/strong><\/p>\n

Pittsburgh (412) 265-6383<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"

  Have you been thinking about purchasing life insurance, but worried that it might be too expensive for your family right now?\u00a0 Today we\u2019ll show you how to get great life insurance for any budget!   LifeHappens.org reports that 86% of Americans haven\u2019t bought life insurance because it\u2019s \u201ctoo expensive\u201d yet overestimate its true cost […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"om_disable_all_campaigns":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"jetpack_post_was_ever_published":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":false,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2}},"categories":[62,9,58],"tags":[],"class_list":["post-471","post","type-post","status-publish","format-standard","hentry","category-financial-planning","category-insurance-tips","category-life-insurance"],"aioseo_notices":[],"jetpack_publicize_connections":[],"jetpack_featured_media_url":"","jetpack_sharing_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/p5ZNiF-7B","jetpack-related-posts":[],"_links":{"self":[{"href":"https:\/\/keystoneinsurance.us\/index.php?rest_route=\/wp\/v2\/posts\/471","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/keystoneinsurance.us\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/keystoneinsurance.us\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/keystoneinsurance.us\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/keystoneinsurance.us\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=471"}],"version-history":[{"count":1,"href":"https:\/\/keystoneinsurance.us\/index.php?rest_route=\/wp\/v2\/posts\/471\/revisions"}],"predecessor-version":[{"id":473,"href":"https:\/\/keystoneinsurance.us\/index.php?rest_route=\/wp\/v2\/posts\/471\/revisions\/473"}],"wp:attachment":[{"href":"https:\/\/keystoneinsurance.us\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=471"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/keystoneinsurance.us\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=471"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/keystoneinsurance.us\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=471"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}