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Home » The "IPro Corner" Blog » Life Insurance for Single People
I’m Single So I Don’t Need Life Insurance. Is That True or Myth?

I’m Single So I Don’t Need Life Insurance. Is That True or Myth?

The short answer is: Life Insurance is for everyone, also for single people.

There are some reasons why you might need life insurance if you’re single.

  • For the death benefits – If you died, who would pay for your funeral? Even a simple ceremony could be costly. If you don’t have life insurance, someone else (e.g., your relatives) may have to foot these bills. Even if you have only a small policy, the death benefits could be used to cover these expenses.
  • To cover your share of a debt – Do you owe money together with someone else? Perhaps you’re a joint debtor with your sister on her mortgage. If you died, she’d be responsible for the entire debt. Would she be able to make the monthly payments on her own? A life insurance policy naming her as your beneficiary could give her enough funds to cover your share of the mortgage, or perhaps to pay off the entire debt.
  • It may be wise to buy life insurance now before it gets too expensive or you become uninsurable – Is it possible that your health will deteriorate? Maybe you have a family history of cancer or heart disease. If that’s the case, you might have trouble buying life insurance later when you’re older, especially if your health has begun to decline.

“There are many reasons single people with no children might need life insurance. But the good news is you’re probably looking at a much smaller policy, in comparison with other policies. And that means this type of coverage will likely be inexpensive,” said Juan Carlos “JC” Doitteau, President at Insurance Pro.

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Do I get money back if I cancel my life insurance?

The short answer to this is usually no. Protection insurance is a simple product that protects you financially against death and illness while you pay premiums. If you don’t pay your insurance premiums, you aren’t protected.

Types of policies:

Whole Life Insurance

  • Permanent coverage
  • Accumulate “Cash Value” fly in cash.
  • You can get money in life benefits if you suffer from a chronic, critical or terminal condition.

Term Life Insurance

  • Coverage for a certain time. For example at 10, 15, 20, 25 or 30 years.
  • You can get money in life benefits if you suffer from a chronic, critical or terminal condition.
  • Once the policy expires, it can be renewed for another term or converted to permanent Insurance.
  • Does not accumulate “Cash Value”

Read also: Frequently Asked Questions on Life Insurance.

Learn about this and other fringe benefits by contacting Insurance Pro experts.

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