189-Term Life Insurance

An episode of the Radical Personal Finance podcast, hosted by Joshua Sheats, titled "189-Term Life Insurance" was published on May 6, 2015 and runs 94 minutes.

May 6, 2015 ·94m · Radical Personal Finance

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Episode Description

Today we continue our life insurance series dig into the topic of term life insurance.

Term life insurance is an incredible financial product and extremely useful. It also has some options that are not commonly understood or explored.

We discuss:

What is term life insurance useful for?
Normal life insurance policy designs:
- level term insurance
- annual renewable term insurance
- decreasing term insurance
- increasing term insurance
Key policy features:
- renewability
- convertibility
- disability waiver of premium
- reentry term insurance
- return of premium rider
Group term insurance
How to analyze costs
What about those who say term insurance is the only appropriate solution?
How to find a policy
How to get insurance with a medical condition

Enjoy!

Joshua

If you'd like access to the spreadsheet with return of premium rate of return calculations and the annual renewable term vs. level term discussion, support Radical Personal Finance on Patreon! http://radicalpersonalfinance.com/patron

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