{"id":17,"date":"2026-09-23T16:00:00","date_gmt":"2026-09-23T16:00:00","guid":{"rendered":"http:\/\/blogs.room-vu.com\/shalettefreemanmortgageprotection-com\/2026\/09\/23\/whats-the-point-of-life-insurance\/"},"modified":"2026-09-23T16:00:00","modified_gmt":"2026-09-23T16:00:00","slug":"whats-the-point-of-life-insurance","status":"publish","type":"post","link":"https:\/\/www.shalettefreemanmortgageprotection.com\/blog\/2026\/09\/23\/whats-the-point-of-life-insurance\/","title":{"rendered":"What\u2019s the Point of Life Insurance?"},"content":{"rendered":"<div class=\"video-zmyer\">\n<div class=\"video-frame-zmyer\">\n        <iframe loading=\"lazy\" width=\"640\" height=\"640\"\n                src=\"https:\/\/www.roomvu.com\/agent\/embed\/shalette\/whats-the-point-of-life-insurance-the-real-cost-breakdown-remotion-videos-7f3b\"\n                frameborder=\"0\"\n                allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture\"\n                allowfullscreen><br \/>\n        <\/iframe>\n    <\/div>\n<div class=\"video-description-zmyer\">\n<p>For a healthy 30-yr non-smoker, 20-yr term coverage of $500K ran roughly $25-$40 monthly, with age, health, amount, and policy type driving cost.<br \/>\nAge carried the heaviest pricing weight: a 40-yr-old paid roughly double a 30-yr-old, while smokers often paid two to three times more.<br \/>\nTerm policies kept fees minimal. Permanent policies added cash value, front-loaded commissions, and early surrender charges, making them significantly costlier despite lifelong coverage options.<br \/>\nThe cost-optimal strategy was maximum term protection when dependency peaked, then less coverage as debts cleared and children left home, with reviews every five years.<br \/>\nLife insurance was framed as risk transfer, not investing: premiums bought certainty for dependents, while policy payments supported future claims, operating expenses, reserves, and profit.<\/p>\n<\/p><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>For a healthy 30-yr non-smoker, 20-yr term coverage of $500K ran roughly $25-$40 monthly, with age, health, amount, and policy type driving cost. Age carried the heaviest pricing weight: a 40-yr-old paid roughly double a 30-yr-old, while smokers often paid two to three times more. Term policies kept fees minimal. Permanent policies added cash value, [&hellip;]<\/p>\n","protected":false},"author":0,"featured_media":38,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-17","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized"],"_links":{"self":[{"href":"https:\/\/www.shalettefreemanmortgageprotection.com\/blog\/wp-json\/wp\/v2\/posts\/17","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.shalettefreemanmortgageprotection.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.shalettefreemanmortgageprotection.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"replies":[{"embeddable":true,"href":"https:\/\/www.shalettefreemanmortgageprotection.com\/blog\/wp-json\/wp\/v2\/comments?post=17"}],"version-history":[{"count":0,"href":"https:\/\/www.shalettefreemanmortgageprotection.com\/blog\/wp-json\/wp\/v2\/posts\/17\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.shalettefreemanmortgageprotection.com\/blog\/wp-json\/wp\/v2\/media\/38"}],"wp:attachment":[{"href":"https:\/\/www.shalettefreemanmortgageprotection.com\/blog\/wp-json\/wp\/v2\/media?parent=17"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.shalettefreemanmortgageprotection.com\/blog\/wp-json\/wp\/v2\/categories?post=17"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.shalettefreemanmortgageprotection.com\/blog\/wp-json\/wp\/v2\/tags?post=17"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}