Survivor benefits: To Insure Or Not To Ensure

by David Jenyns on July 25, 2008

Survivor benefits in its pure form is a simple idea. Pure survivor benefits is actually death insurance. A life-insurance policy is a contract between an insured person and an insurance company. From the standpoint of investing, survivor benefits is a substitute for lack of capital.

For a beneficiary, the death value of a life-insurance policy is a fixed-dollar investment. Paying the cost of survivor benefits is a plain waste of money, unless the death of the insured person will hurt somebody financially. Insuring the life of a baby is a common practice. One company offers more than 50 different policies, with rates starting at “age zero.” So apparently parents look on child insurance as a method of investing for the child’s own future benefit. Before you invest in a survivor benefits policy, do a little math and figure out if the premiums are worth the protection.

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