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Life Insurance: Planning on What Will Happen vs. May Happen

About 50% of Americans are covered by life insurance. However, 41 or so million Americans know they need life insurance but have no life insurance coverage.

In large part, the non-purchase frequently begins with the misunderstanding that life insurance is very expensive. For some, unfortunately, that may be the case, but you may want to know that a healthy male, age 45, can purchase $100,000 of 10-year term coverage, coverage that would pay the beneficiary $100,000 of income tax-free life insurance, for as little as $11 a month. Likewise, a $100,000 policy for the same age female could be as little as $10 a month.

We buy car insurance, home insurance, and insure many other things against financial losses that may happen. Life insurance replaces the economic loss of a loss that will happen. When it does, life insurance can help pay the mortgage, educate the kids, supplement retirement, and pay the ongoing expenses.

COVID-19 has resulted in the unexpected death of hundreds of thousands of Americans, and life insurance sales have increased by double digits. So, it seems a good move to purchase life insurance to protect against what will happen.

If you would like some sales ideas to help promote life insurance, please get in touch with AIPMA’s Business Development team at (800) 783-5206 Press #2 or email

Disclaimer: The actual rate depends on underwriting, including such things as health history and avocation.

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For more than 40 years, AIP Marketing Alliance (AIPMA), an Integrity Company, serves as a premier life insurance and annuity distribution partner to provide full-service support to independent wholesalers, brokerages and agents from our Troy, Michigan office. NOT AFFILIATED WITH OR ENDORSED BY THE GOVERNMENT OR THE MEDICARE PROGRAM. Copyright 2024