Mae Chow
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Using a Health Savings Account (HSA) can be a great way to save money on health insurance if it’s available to you. An HSA is a savings account dedicated to health care costs. It allows you to contribute and withdraw money tax-free and qualifies you for a tax deduction! You can use the money to pay for all qualifying medical expenses, from Band-Aids to doctor bills. And if you don’t spend all your HSA funds, you can carry them over from year to year and even invest them so they grow over the long term! HSAs work best for folks who are generally healthy, because the accounts are combined with high-deductible health plans that usually have lower monthly premiums. (last edited 43 days ago by Elsbeth Vallejo from Guiyang, China)
That’s easy. You need policy coverage equal to 10 to 12 times your annual income. Say you’re making $50,000 a year. You need at least $500,000 in coverage. That replaces your salary for your family if something happens to you. You can run the numbers with our term life calculator. Quick note: Don’t forget to get term life insurance for both spouses, even if one of you stays at home with the kids. Why? ‘Cause if the stay-at-home parent was gone, replacing that childcare and home upkeep would be expensive! If you want to make sure your family is covered, take our 5-Minute Coverage Checkup. (modified by Marvelous Brown on July 30, 2021)
According to the specialists from zanderins.com, not only could this put your family at serious risk if something were to happen to you, but purchasing term life insurance earlier in your life can save you money in the long run, as rates typically increase with age. Health issues that may arise later in life could increase your premium significantly, and may even make you ineligible to purchase life insurance all together. Some people wait because they think they should put off purchasing life insurance until they’re debt free. This is a common misconception because, when you’re in debt, your family is most vulnerable. In fact, Dave Ramsey says that life insurance is an immediate need – even before the Baby Steps! As you reduce debt and increase savings, you slowly begin to reduce your need for life insurance, but it is necessary to have while you work to reach those goals. (emended by Phyllip Staton on November 25, 2021)
