{"id":160638,"date":"2025-03-27T23:54:00","date_gmt":"2025-03-27T23:54:00","guid":{"rendered":"https:\/\/peraltafinancing.com\/business\/insurance\/what-new-parents-need-to-know-about-life-insurance\/"},"modified":"2025-03-27T23:54:00","modified_gmt":"2025-03-27T23:54:00","slug":"what-new-parents-need-to-know-about-life-insurance","status":"publish","type":"post","link":"https:\/\/fivemor.com\/?p=160638","title":{"rendered":"What New Parents Need to Know About Life Insurance"},"content":{"rendered":"<p> <br \/>\n<\/p>\n<div>\n<p>How much does it cost to raise a child through age 17? About\u00a0<a href=\"https:\/\/www.usda.gov\/media\/blog\/2017\/01\/13\/cost-raising-child\" rel=\"noopener\" target=\"_blank\" data-sf-ec-immutable=\"\">$285,000<\/a>\u00a0with inflation factored in, according to the U.S. Department of<br \/>\n    Agriculture.<\/p>\n<p>That number could make you say, \u201cYou see! Kids are expensive. That\u2019s why we haven\u2019t bought life insurance.\u201d \u00a0<\/p>\n<p>Think about it this way: the right life insurance plan could cover you for $285,000 (or more) at a price you can afford.\u00a0Here\u2019s what new parents need to know about life insurance.\u00a0\u00a0<\/p>\n<p><b>\u00a0<\/b><\/p>\n<h3><b>Life Insurance Isn\u2019t as Expensive as You Think It Is<\/b><\/h3>\n<hr\/>\n<p>This topic isn\u2019t exclusive to new parents. But nearly\u00a0 <a href=\"https:\/\/lifehappens.org\/blog\/key-findings-for-the-2018-insurance-barometer-study\/\" data-sf-marked=\"\" target=\"_blank\" data-sf-ec-immutable=\"\">half of millennials overestimate the cost of life insurance by 500%.<\/a><\/p>\n<p>After you contact a\u00a0<a href=\"https:\/\/agentquote.pekininsurance.com\/FindAnAgency\" rel=\"noopener\" target=\"_blank\" data-sf-ec-immutable=\"\">Pekin Insurance agent<\/a>, they\u2019ll give you a free life insurance quote and find a plan for your budget.\u00a0<\/p>\n<p>\u00a0<\/p>\n<h3><b>Life Insurance Costs Less When You\u2019re Young and Healthy<\/b><\/h3>\n<hr\/>\n<p>Life insurance rates go up as you age. It makes sense for new parents to lock in rates while they\u2019re younger and healthier.<\/p>\n<p>\u00a0<\/p>\n<h3><b>Life Insurance Is Versatile<\/b><\/h3>\n<hr\/>\n<p><b>If you\u2019re not there to support your loved ones, life insurance can take care of:<\/b><\/p>\n<ul>\n<li>House payments.<\/li>\n<li>Utilities.<\/li>\n<li>Home maintenance.<\/li>\n<li>Car payments.<\/li>\n<li>College tuition.<\/li>\n<li>School supplies.<\/li>\n<li>And more!<\/li>\n<\/ul>\n<p><b>\u00a0<\/b><\/p>\n<h3><b>Life Insurance Can Pay for Childcare<\/b><\/h3>\n<hr\/>\n<p><b>According to\u00a0<\/b><a href=\"https:\/\/www.care.com\/c\/stories\/2423\/how-much-does-child-care-cost\/\" rel=\"noopener\" target=\"_blank\" data-sf-ec-immutable=\"\"><b>care.com<\/b><\/a><b>, average weekly childcare costs are:<\/b><\/p>\n<ul>\n<li>$215 for a daycare.<\/li>\n<li>$201 for a family care center.<\/li>\n<li>$565 for a nanny.<\/li>\n<\/ul>\n<p>If one parent leaves the picture, the other parent will probably need one of these services.<\/p>\n<p>\u00a0<\/p>\n<h3><b>Your Employer\u2019s Life Insurance Might Not Be Enough<\/b><\/h3>\n<hr\/>\n<p>Does your employer offer a limited amount of life insurance, possibly one or two times your salary? Is that enough coverage?<\/p>\n<p><b>Think about these average costs:<\/b><\/p>\n<p>The truth is, employers don\u2019t always offer enough life insurance. Plus, you might not be able to take your life insurance with you if you leave your current job.<\/p>\n<p>\u00a0<\/p>\n<h3><b>Both Parents Could Need Life Insurance<\/b><\/h3>\n<hr\/>\n<p>There\u2019s a misconception that only \u201cbreadwinners\u201d should have life insurance. Stay-at-home parents need it, too!<\/p>\n<p>According to salary.com,\u00a0<a href=\"https:\/\/www.salary.com\/articles\/mother-salary\/\" rel=\"noopener\" target=\"_blank\" data-sf-ec-immutable=\"\">a stay-at-home mom would earn a $178,201 salary<\/a>\u00a0if she received a paycheck for her efforts.\u00a0Keep in mind this is a statistical<br \/>\n    projection. You can apply this estimate to stay-at-home fathers, too.\u00a0<\/p>\n<p><b>The $178,201 amount reflects\u00a0the roles filled by a stay-at-home parent:<\/b>\u00a0<\/p>\n<ul>\n<li>Academic advisor.<\/li>\n<li>Accountant.<\/li>\n<li>Chef.<\/li>\n<li>Dietitian.<\/li>\n<li>Facilities director.<\/li>\n<li>Housekeeper.<\/li>\n<li>Laundry manager.<\/li>\n<li>Nurse.<\/li>\n<li>Photographer.<\/li>\n<li>Teacher.<\/li>\n<\/ul>\n<p>Are you or your partner a stay-at-home parent? If so, it might not cost you exactly $178,201 to replace the services listed above. But it wouldn&#8217;t be cheap by any means. \u00a0<\/p>\n<p>\u00a0<\/p>\n<h3><b>Decide on Term, Permanent, or a Mix of Both<\/b><\/h3>\n<hr\/>\n<p>To weigh your options, it helps to know the difference between term life and permanent life.<\/p>\n<p>What sets these two kinds of life coverages apart?<\/p>\n<p>It\u2019s like the difference between renting (term) and making payments to own (permanent). There\u2019s more to it than that, though.<\/p>\n<p>With term life, you have insurance for a set period of time like 10 years.<\/p>\n<p><b>Term Life Advantages<\/b><b>\u00a0<\/b><\/p>\n<ul>\n<li>Less expensive than permanent life.<\/li>\n<li>Payments guaranteed for your contract period.<\/li>\n<li>Can be converted to permanent life.<\/li>\n<\/ul>\n<p><b><br \/>Term Life Disadvantages<\/b><\/p>\n<ul>\n<li>Lasts for a limited time unless you convert it to a different kind of policy.<\/li>\n<li>Might not fit lifelong coverage needs.<\/li>\n<\/ul>\n<p><b><br \/>Permanent Life Advantages<\/b><\/p>\n<ul>\n<li>Builds tax-deferred cash value.<\/li>\n<li>Provides lifelong coverage.<\/li>\n<li>Premiums don\u2019t increase.<\/li>\n<li>Offers the option of borrowing from the cash value of the policy.<\/li>\n<li>Doesn\u2019t change with market fluctuation.<\/li>\n<\/ul>\n<p><b>Permanent Life Disadvantages<\/b><\/p>\n<ul>\n<li>More expensive than term life.<\/li>\n<\/ul>\n<p><a href=\"https:\/\/www.pekininsurance.com\/personal\/life\/life-insurance\/transitional-life-insurance\" rel=\"noopener\" target=\"_blank\" data-sf-ec-immutable=\"\">Transitional life insurance<\/a>\u00a0offers a mix of term and permanent coverage. Here\u2019s a quick example to show you how it works.<br \/><i>\u00a0<\/i><br \/>Josh and Sara are a young couple expecting their first child. With a little one on the way, they have a tight budget.<\/p>\n<p>Josh and Sara expect to pay off their student loans and advance in their careers within a few years. They\u2019re looking<br \/>\nfor an affordable life insurance plan that offers a paid in full policy at retirement.<\/p>\n<p>Transitional life insurance would work well for Josh and Sara. This policy provides low-cost term insurance now, which would offer financial support for<br \/>\nthe surviving parent and child. At the end of the term insurance period, transitional life would give Josh and Sara a paid-up policy to cover final expenses.<\/p>\n<p><b>You want to give your family more financial protection. Do you need help figuring out your life insurance options, though?<\/b><\/p>\n<p><b>Don\u2019t lose sleep over it! Reach out to your local, licensed Pekin Insurance agent to put the right life insurance plan in place.<\/b><\/p>\n<\/div>\n<p><script>!function (f, b, e, v, n, t, s) { if (f.fbq) return; n = f.fbq = function () { n.callMethod ? n.callMethod.apply(n, arguments) : n.queue.push(arguments) }; if (!f._fbq) f._fbq = n; n.push = n; n.loaded = !0; n.version = '2.0'; n.queue = []; t = b.createElement(e); t.async = !0; t.src = v; s = b.getElementsByTagName(e)[0]; s.parentNode.insertBefore(t, s) }(window, document, 'script', 'https:\/\/connect.facebook.net\/en_US\/fbevents.js'); fbq('init', '488292892596490'); fbq('track', 'PageView');<\/script><br \/>\n<br \/><\/p>\n","protected":false},"excerpt":{"rendered":"<p>How much does it cost to raise a child through age 17? About\u00a0$285,000\u00a0with inflation factored in, according to the U.S. Department of Agriculture. That number could make you say, \u201cYou see! Kids are expensive. That\u2019s why we haven\u2019t bought life insurance.\u201d \u00a0 Think about it this way: the right life insurance plan could cover you [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":160639,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[94],"tags":[11034,3333,11023],"dealstore":[],"offerexpiration":[],"class_list":["post-160638","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-insurance","tag-insurance","tag-life","tag-parents"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.4 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>What New Parents Need to Know About Life Insurance - Som2ny Network<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/fivemor.com\/?p=160638\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"What New Parents Need to Know About Life Insurance - Som2ny Network\" \/>\n<meta property=\"og:description\" content=\"How much does it cost to raise a child through age 17? About\u00a0$285,000\u00a0with inflation factored in, according to the U.S. Department of Agriculture. That number could make you say, \u201cYou see! Kids are expensive. 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