Inflatable Family

Don't Let Inflation Kill Your Life Insurance Policy!

I'm a planner. I plan out everything, I can't help it!  One of the most important things that I've ever planned is my life insurance policy. Why is it so important? Well, if anything happens to me... if I were to die for instance, I need to know that my family will be taken care of financially. I need to know, that their quality of life will not decrease at all. I need to go that my kids will be able to afford to go to college.

And the only way to make sure that all happens is through a responsible life insurance policy.

But there's one thing that almost nobody plans for, and it's something that can absolutely devastate all your life insurance policy planning. That thing is... inflation.

Most people don't even understand what inflation is, so I'll spend a minute or two discussing it in as much detail as I can. Inflation is basically a term that is used to describe the cost of everything increasing. Last year it cost $100 to buy the cool new basketball shoes. This year it cost $110 to buy the same cool new basketball shoes. That's inflation.

As time goes on things cost more, and the same amount of money won't buy you as much stuff. If, for instance, $70,000 is enough to pay for all of your family's expenses this year; including housing and food and insurance and gas and clothes and everything else, then you can bet that next year you're going to need more than $70,000 to pay for all that same stuff because prices increase.

But usually, we get raises in salary and we don't tend to notice all that much unless inflation is running wild.

But it becomes essential to calculate inflation when you're determining how much life insurance to purchase for your family. Because the point of life insurance is to provide your family with the same level of income that you would provide yourself if you are alive to do it.

So if you spend $70,000 a year taking care of your family, you may be tempted to tell your life insurance agent to create a policy for you to make sure your family will have $70,000 a year in perpetuity.

The problem is, even if you die tomorrow, $70,000 a year for the next 20 years is not gonna be enough to cover your families expenses because the prices of everything will keep going up year after year after year. 10 or 15 years from now $70,000 is gonna be more like $30,000 is today. But your mortgage payment is not going to go down is it? No it's not.

Unless you studied economics in college it's going to be difficult for you to calculate inflation into your life insurance planning. But your insurance agent should be able to do this for you. Just make sure you tell them to! Not all agents will understand it right off the bat, therefore not all will suggest it to you. You may be the one that has to say "what about inflation?" to your agent, and if they don't know what you're talking about... get another agent!

About the Author

Jason Markum has been writing articles online for over thirteen years.  When not writing about health or fitness, Jason runs a standing coat racks web site where he reviews the best wrought iron coat rack for your home entryway.

Sea Eagle 380xd Inflatable Kayak $899 Sea Eagle 380x inflatable kayak. 12'4" long, holds 2 adults. Rated for up to class 4 whitewater.

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