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What type of insurance do you need as a single person just starting out?

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What type of insurance do you need as a single person just starting out?

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Startting out you will want an emergency fund equal to three to six months worth of basic living expenses. Enroll in a 401(k) retirement savings plan.

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How do these needs change when you have a family?

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How do these needs change when you have a family?

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Life insurance can provide your family members the resources to maintain their lifestyle when you die. Disability insurance is also a must. It will replace a portion of your income if you are unable to work due to a disabling illness or injury.

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It may seem counterintuitive that empty nesters or retirees need life insurance. Life insurance coverage can preserve the retirement plan and ensure your estate will be passed on, intact, to your survivors. As you get older you sould look into long-term care insurance which usually takes effect when you cannot perform at least two activities of daily living such as bathing, eating or dressing.

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Equals Life Insurance Needed
=$ 89,741.91

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What life events do you need to consider when evaluating and re-evaluating your life insurance needs?

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What life events do you need to consider when evaluating and re-evaluating your life insurance needs?

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Pay for funeral costs

Help pay the bills and meet ongoing living expenses

Pay off outstanding debt, including credit cards and the mortgage

Continue a family business

Finance future needs like your children’s education

Protect a spouse’s retirement plans

Life style

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Everyone should consider getting disability insurance because it ensures that if you are unable to work because of illness or injury, you will continue to receive an income and make ends meet until you’re able to return to work.

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What are examples of life changes that will cause you to re-evaluate your disability insurance?

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What are examples of life changes that will cause you to re-evaluate your disability insurance?

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1) Accident at work- evaluate if you're covered fully.
2)Fall terminally ill-you can no longer work because you have become you have fallen sick-not work related- male sure you are fully covered.
3)Pregnancy- Need time off to stay home with baby and recover.
4) disability in a family member- causes you to reconsider your own health and disability insurance plan
5) Retirement- no longer need

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What are the different types of disability insurance?

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What are the different types of disability insurance?

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Workers compensation:If you’re employed and you suffer a disabling illness or injury that is work related, you are free of medical bills.

State Disability Insurance Program: short-term disability coverage, typically for up to six months, which workers pay for through a payroll deduction.

Social Security:The federal government administers a disability insurance program that covers most workers, but qualifying for benefits isn’t easy.

Employer-Sponsored Coverage: There are two forms: short-term disability (STD), which replaces a significant percentage of your income for about three months in most cases, and long-term disability (LTD), which typically pays 40% to 60% of your base salary (pretax) for longer periods.

Individual Disability Insurance:The most flexible and reliable source of coverage is an individual disability insurance policy that you purchase on your own. A privately owned policy is portable, meaning you won’t have to worry about losing coverage if you change jobs.

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If you develop a chronic illness or become disabled and can no longer care for yourself for an extended period of time, you’ll need long-term care services.

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Skilled:If you have a serious illness or injury that you can recover from

Intermediate Care: if you injured your leg and need to visit a physical therapist five times a week to help you heal

Custodial Care:assistance with daily activities like bathing, eating, dressing, toileting (getting on and off the toilet and other tasks associated with personal hygiene), continence and transferring (getting in and out of bed and chairs).

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Scenario 1: You are 23 years old. You just graduated college and landed your first adult job. You are single with no children.

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Scenario 1: You are 23 years old. You just graduated college and landed your first adult job. You are single with no children.

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-emergency fund: 3 to 6 months of basic living expenses.
-disability insurance: consider workers compensation however if you don't feel like your job will be long term get individual disability insurance
-401(k) retirement plan

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Scenario 3: You are 65 years old. You are married with no children in the house. You just retired

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Scenario 3: You are 65 years old. You are married with no children in the house. You just retired

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-you have already had a 401(k) or some sort of retirement plan set up -Life Insurance:The amount of Life Insurance depends on what type of funeral you will want to have and your current life style your family has.The higher life style and the bigger funeral means you will need a bigger life insurance plan.
-Long Term Care Insurance: it is more of a per cation, if you need to be in assisted living or in a retirement home this insurance will help to pay these bills.

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Scenario 2: You are 40 years old. You are married with two children. You have a house, cars, and an establish career.

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Scenario 2: You are 40 years old. You are married with two children. You have a house, cars, and an establish career.

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-Have an emergency fund of 3-6 months worth of payments saved
-Have a bigger life insurance plan - to fit both of your child's futuristic needs
-Workers compensation or employer sponsored coverage

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The funeral you would like to have

Pay fixed expenses

pay of dept such as cars and homes

Pay for  your child's college

plan for your retirement as well as your own.