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Life Insurance for Women
"The secret of getting ahead is getting started." —Sally Berger
American women are definitely getting ahead when it comes to jobs and education. But they're not getting ahead when it comes to life insurance. In fact, the number of insured women is dropping, even as women continue to earn more!
Go ahead, take a guess...how many women don't have life insurance? You might be surprised! Our video has the answer:
For more than 40 years, Trusted Quote has helped families buy life insurance. Protect your loved ones with a term life policy from one of the nation's top-rated carriers.
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By the numbers: Women and life insurance
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More women are working and graduating from college, but not buying life insurance!
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Since 2009, women have accounted for 49.9% of American workers...and that number is on the rise. In fact, nearly 30% of wives earn more than their husbands.
Women are also taking the lead in education. In 2010, 44% of women between the ages of 18 and 24 were taking college classes, compared to only 38% of men in the same age group. But it doesn't stop there. Women are also graduating at higher rates, too. According to the Pew Research Center, about 36% of women aged 25-29 have a bachelor's degree, compared to 28% of men in the same age group.
What does all of this mean for you? It means you probably have a lot on your mind: your job, your next raise, how to save for retirement, deciding whether you want to get married, when to start a family, how to pay for a mortgage, how to save for a child's college education...the demands on your time, energy, and money are truly mind-boggling.
That's where life insurance comes in. It gives you peace of mind, so that no matter where you are in life, you know your loved ones are protected.
- Have kids? Life insurance protects their future should something happen to you.
- Have a spouse? Life insurance protects your spouse if your earnings suddenly vanished.
- Have elderly parents? Life insurance can help pay for their living expenses and elder care, if you passed away and weren't there to take care of them.
- Have a favorite charity? You can designate your favorite charity as your beneficiary.
- Have a mortgage? Your beneficiary can use the policy's death benefit to pay off your mortgage if you pass away.
Who pays the bills?
Dual-Income Couples
Today, married couples share more of the financial burden than ever before. In 1975, for example, only 34% of couples had dual income thanks to both spouses being in the workplace. Today, that number is at 48%. That's a lot! Almost half of all American couples depend on two spouses working to help pay the bills.
The upside of this is that more women can contribute to the financial well-being of their families. The potential downside is that many couples overlook the woman's contribution when it comes to life insurance. Remember, anyone who brings income into the family needs to be protected!
Working Mothers
Also, mothers with kids are increasingly going back to work to help support and provide for their families. About 71% of mothers with kids under 18 have gone back to work. That's a far cry from the 1975 statistic, where only 47% of mothers with kids under 18 went back to work. If your family depends on your income, protect it with life insurance.
To get started, click the orange button for a free online quote. Life insurance is more affordable than you think when you shop with Trusted Quote! If you have questions, feel free to call us at 800-823-4852 (Monday through Friday, 8 am to 5 pm Pacific time).
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Sources:
PewSocialTrends.org: A Gender Reversal on Career Aspirations
LIMRA: 2012 Life Insurance Awareness Month Fact Sheet
Hi, I’m Ryan Pinney. As a Chartered Senior Financial Planner, I’ll help protect your family’s financial future. I believe in ethical insurance solutions based on your needs. Welcome to Trusted Quote, your source for insurance and financial planning.
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*Comparison of each carrier’s best published rates for a
10-year level term policy, 30-year-old non-smoking female
^Represents 10-year level term life insurance rates for 40-year-old female,
in good health, no tobacco, residing in Ohio.
R. Jan Pinney CLU, ChFC is a licensed life insurance agent in all states and the District of Columbia. The following agent license numbers are provided for R. Jan Pinney as required by state law: CA agent #0440057, LA agent #291116, MA agent #1674866, MN agent #20270113, UT agent #58330, agent R. Jan Pinney, DBA Pinney Insurance Services. Commercial use by others is prohibited by law. This site provides term quotes. Each rate is a quote based on information provided by the carrier. No portion of Trusted Quote may be copied, published, faxed, mailed or distributed in any manner for any purpose without prior written authorization of the owner.
