Ram Republic

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As a rule of thumb, figure you need about $100,000 in insurance for every $500 of monthly income required. Let’s say your household needs $3,000 a month to cover all your expenses. Your worst-case scenario is that the people who survive you have no employment or other income, so they’ll need the full $3,000. You’d divide this by $500 and get 6, so your insurance policy should be in the amount of 6 x $100,000, or $600,000. The following table shows you the simple calculation. You can plug in your own numbers in the blanks at the right.
How does this work? You want your insurance payment to be a sum of money that your beneficiaries can invest to generate enough income to cover your expenses without dipping into the principal. If your monthly expenses are $3,000, that’s $36,000 a year. Assuming a conservative interest rate of 6 percent, you would need $600,000 to produce that $36,000 a year. That principal would go on throwing off income forever because your survivors are using only the interest.
Okay, that’s the worst case—but now let’s say that if something happened to you, you know you or your spouse would keep working anyway. All you need from the insurance proceeds, before taxes, is $1,500 a month. You have three choices. You can purchase the minimum amount of insurance needed to cover that shortage of $1,500 a month, which is $300,000 worth of insurance: $1,500 divided by 500 is 3; 3 times $100,000 is $300,000. Or you can purchase $600,000 worth of insurance to cover yourself completely, in case at some later date you won’t be able to work after all. Or you can purchase any amount in between that would make you feel comfortable.
Let’s say you and your spouse decided to be completely secure and bought the $600,000. Your spouse dies, but you still want to work; for now, all you need is $1,500 a month from the death benefit to cover all your expenses. What do you do with the $600,000? You will want to invest enough safely for the principal to generate that $1,500 a month in interest every year, without touching the principal, and invest the rest for growth in case the day comes when you can’t work any more or you lose your job. Let’s figure again. How much needs to be invested for income, to cover the $1,500 a month you need, and how much for growth?

Most people think, “Oh, all I’d need is enough to get my family by for just a little while. As a result, they usually have the $50,000 or so worth of insurance that’s part of their benefits package at work and feel that is more than enough. But since an unexpected tragedy affects people in different ways, you never know for sure what might happen after you are gone That’s why this is a decision, taking into account every tragic possibility, that must be discussed with the people who would be affected by such an event. All the questions must be asked. Do they feel comfortable knowing that they have enough money to get by for a year, or two, or eight? Many experts will tell you to purchase six to eight times your annual salary, but experts are not the ones who have to live your loved ones’ lives. Maybe in your situation you would rather know that everyone will be okay no matter what, even if no one is able ever to work again. Maybe you want your children to be provided for for ten years, rather than just eight. There is no magic formula. Each of us has our own financial what-if comfort level. The final decision is a balance of what makes everyone concerned feel secure—and how much you can realistically afford to pay for that security.

You’re a single parent with two kids, and you die unexpectedly. Or you’re married in a two-income household, and your spouse is killed in an accident. Whatever your own family circumstances, would those you left behind be able to carry on financially?
Back in Step 3 you compiled a list of all your expenses. Now is the time to review that list and see how much it would change if your children were suddenly parentles or if you or your partner were to die. Fixed expenses would remain the same. Some expenses would decrease. Some would increase— long-distance phone calls to friends for comfort, eating out so you wouldn’t be so lonely, entertainment. Would your child- care situation change? What about the future financial goals you had—paying for the children’s education, for example? Could you still cover that? What if you or your partner had to stop working as well? How would you cope? How much would it really take? How much do you really have?
Now compare the hypothetical money coming in against the hypothetical money going out in this scenario and any other scenarios you can imagine. What impact would a possible death have on the money coming in? If your survivors would have enough, then you do not need insurance. You may still want some for your emotional peace of mind, but you don’t need any—and there is a big difference between needing insurance and wanting it.
If they would not have enough, then you know you need insurance to protect yourself and your loved ones.

When I first started researching long-term-care insurance about ten years ago, there were only about 4 companies selling it. Today, there are about 130, and that number fluctuates at any given time by 30 or 40, depending on which companies have decided to give it a try and which have decided to check out of the LTC business.
This is a little bit of good news and could be a lot of bad news.
As long-term-care insurance becomes more and more popular, people will be shopping more competitively to buy it, which, as the LTC business becomes more and more profitable, will keep insurance companies on their toes. That’s good news. The bad news is that this industry is in such flux that companies are trying it, and some are deciding it’s not for them. Not profitable enough after a few years? They just close up LTC shop. This has already happened—with Aetna, AIG, and Washington Square, huge companies that tried LTC and decided against it after a while. Another case in point: One of the first times Consumer Reports rated LTC insurance carriers, their number one—rated company was out of the business by the time the magazine hit the stands.
When you buy your LTC insurance, you don’t plan on using it for many years from then, if ever. It is imperative that the company you buy it from will still be there if ever you need it. Let’s say you bought your policy at age fifty-four, when you were perfectly healthy. Fine. Then let’s say the company you bought it from decides it doesn’t want to be in the LTC business anymore when you turn sixty and have been diagnosed with some terrible disease.
What does this mean for you? Do you get your money back? No, of course not, they’ll tell you. Why should you get your money back? We were covering you for all those years, and if you had had to go into a nursing home, well, we would have been there for you. But coverage for you now with another company may be impossible, given your new medical condition. Even if you were still perfectly healthy, it would be much more expensive than it was when you first signed on. So you must buy your policy from a company with a firm commitment to the LTC arena.

It’s also true that the younger you are, the likelier you are to be in good health. These policies are not available to those with serious health problems, or else the cost is prohibitive.
Let’s do the math. The average age of entry into a nursing home is eighty-four. Let’s say you bought a generous policy at age fifty-four, one that had a lifetime benefit period, a $100-a- day benefit amount, 5 percent compounded inflation, zero-day elimination period (these terms are explained below), and two years of home health care at $50 a day. For this policy you agree to pay $954 a year, assuming no rate increases. You pay it for the next thirty years, and then you in fact do have to go into a nursing home. You would have paid $28,620 in premiums. The average cost of a nursing home thirty years from now is projected to be $13,000 a month. So you will have paid less for all those years of insurance than what three months in a nursing home will cost you if you happen to need it.
If you’re that sixty-five-year-old who waited to buy it, it would cost you $2,580 a year for the exact same policy, or a total cost of $49,020, if you went into the nursing home nine-

In my opinion the best age to purchase an LTC policy is around fifty-four, although it can still be a bargain at any price if you’re older. Regardless of your age, if you carry an LTC policy and do have to go into a nursing home one day, you will almost certainly pay less for all your payments combined than you would for one year in that nursing home. And many people live in nursing homes much longer. The average length of stay is 2.9 years, 8.0 years if you have Alzheimer’s. And one out of three people above the age of sixty-five will spend some time in a nursing home.
I Song-term-care premiums are based on how old you are when OU purchase the policy and are projected to stay stable at that amount for the lifetime of the policy. Let’s say you are fiftytour, in great health, and purchase a policy. I know of a wonderful policy here in California, and other states are pretty comparable, for which you’d pay $954 each year for the premium. If you had waited until you were sixty-five to buy that policy, and again are in good health, the premium would cost $2,580. Big difference. And the premiums are projected to stay Ntable for the whole time you carry the policy. (These policies arc not like car insurance policies, where they can raise my neighbor’s rates if he happens to use his policy too much but not raise mine because I’ve never filed a claim. These LTC policies can raise the rates, which they have the right to do, only if there is an across-the-board increase for all those in the same state, region, or county who have this particular plan.)
It’s also true that the younger you are, the likelier you are to he in good health. These policies are not available to those with serious health problems, or else the cost is prohibitive.

I usually do projects like buildings, houses and also used to travel to different places. Good thing that the truck that I used for all my travel appointments has grille guard. I also bring my family to the different beaches in order for them to enjoy the weekends. Swimming is a good form of exercise too. It can help to maintain a good heart and nervous system. It is also a good way to ease stress and anger. As people gets older we can notice the change in the habits and attitudes. It is very important that we develop a healthy nervous and body. It is important to build emotional balance and good habits of conduct. These emotions are normal to all people, but we should learn how to let out our anger. When things go wrong, cheer up. One way to do this is to turn your attention to something else. Learn also to relax. Tell yourself that anger and fear are normal emotions. Find out ways to control your emotions. Have a regular rest period from any activity. Get enough sleep and keep your home and surroundings clean and peaceful. Exercise regularly and have a regular time for relaxation which is essentials for our health.

In my opinion there is only one kind of life insurance that makes sense for the vast majority of us, and that is term life insurance. When you sign up for term insurance, you’re buying ei just-in-case policy for a finite length of time that you need protection. These policies are not very expensive, because the insurance company knows you have relatively little chance of dying while the policy is in force. Most likely they won’t have to pay a death benefit, and the premium is accordingly relatively small.
With a whole life or universal policy, on the other hand, the insurance company knows it will almost certainly have to pay the face amount or the death benefit. You’re expected to die with it. So they price it accordingly. It’s true that whole life and universal policies have cash values, so if you decide not to keep it, or if you suddenly need money while you’re alive, one source would be the cash value of these policies. But commissions on life insurance policies are some of the most lucrative commission’s in any business—and you’re paying them. If your goal in buying life insurance is to put money aside, there are far, far better ways to save it without having to pay these kinds of commissions.. With low-cost term insurance, even though you do not accumulate a cash value, you’re paying low commissions on the protection you need, for as long as you signed up for.

To find out how much you need to invest in order generate
$1,500 a month before taxes, multiply $1,500 by 12 to find out how much you need a year—$18,000. Let’s assume that the going interest rate is 6 percent (a conservative figure, but we are trying to make you safe, and to be safe, it’s always essential to think conservatively). So we need to figure Out how much you need to invest at 6 percent to generate $18,000 a year. We divide 100 (percent of any whole) by 6 (the interest rate we’re after), which gives us almost exactly 17. Now we multiply $18,000 by 17 to see how much needs to be invested at 6 percent to generate $18,000 a year: $306,000 ($306,000 x 6% $18,360). You received a total of $600,000 in insurance proceeds, and now you know that you have to invest $306,000 for income generation for as long as you continue to bring home the $1,500 paycheck. The remaining $294,000 is what you can invest for growth—and also serves as backup if something happens to you. You have covered all your bases.
If you had decided simply to purchase the minimum amount of insurance needed in this situation, which was $300,000, you would invest all of that to generate the $1,500 a month income you need and hope you are able to keep on working while you build up more of a nest egg.
When money is an issue, though, as it is for most of us, we don’t always have the luxury of buying enough life insurance to assume the worst. With my clients there’s almost always a discrepancy between the maximum of insurance wanted and the minimum of insurance needed. Your needs, comfort level, and what you can afford all have to be taken into account. If you’re using a professional to help you figure this out, make sure he or she has your needs and pocketbook in mind and isn’t just thinking of all that the commissions will buy. I would suggest that you’re better off trying to figure out how much insurance you really need and can afford, then calling the following numbers to get quotes to compare the best-priced policies. Here are the numbers and Internet addresses of the insurance quoting services (make sure that you check with at least three of the following services; you would be surprised how much they can differ):