--- title: 6 Reasons for Life Insurance After Retirement description: Is life insurance in retirement right for you? Here are 6 things to consider. Serving Reading, PA, Philadelphia, Lancaster, Allentown & beyond. image: https://www.aigltd.com/hs-fs/file-1569315379-jpg/images/life-insurance-during-retirement-300.jpg --- - [Home](https://www.aigltd.com/) | - [Contact Us](https://www.aigltd.com/contact/) | - [Blog](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa) ![Affordable PA Insurance: Commercial, Homeowners, Car, Life, and Health Insurance](https://www.aigltd.com/hs-fs/hubfs/PA-Insurance-for-Business-Car-Life-House-Health.jpg?width=1020&name=PA-Insurance-for-Business-Car-Life-House-Health.jpg "Affordable PA Insurance: Commercial, Homeowners, Car, Life, and Health Insurance") [![](https://www.aigltd.com/hs-fs/hubfs/American_Insurance_Group-Images/Mobile-logo1.png?width=690&name=Mobile-logo1.png)](https://www.aigltd.com/) [![](https://www.aigltd.com/hs-fs/hubfs/American_Insurance_Group-Images/Mobile-logo2.png?width=690&name=Mobile-logo2.png)](https://www.aigltd.com/) # Insurance Savings and News You Can Use Join the Conversation! ## 6 Reasons for Life Insurance After Retirement Posted by [David Ross](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/author/david-ross) on Wed, Sep 17, 2014 - [Tweet](https://twitter.com/share) ![Carrying life insurance during retirement makes sense in some cases. Contact us to learn if it may make sense for you. We serve Reading, PA, Berks County, Philadelphia, Lancaster, Harrisburg, York, Lebanon, Erie, Pittsburgh, Allentown, the Lehigh Valley and beyond with quality life insurance protection.](https://www.aigltd.com/hs-fs/file-1569315379-jpg/images/life-insurance-during-retirement-300.jpg)Ideally, when you retire you are financially stable enough that your death will not leave your spouse or a loved one struggling to make ends meet.  So, the question becomes, “Do I really need to keep paying on my life insurance policy after I retire?”  Life insurance is not really intended to insure your life; nothing can truly replace your life.  Life insurance is intended protect your surviving loved ones from financial loss upon your death.    It’s interesting to note that some people have a hard time letting go of their life insurance policy.  They think, “I’ve paid on this life insurance policy since I was 25.  I can’t just cancel it.  I didn’t get anything out of it.”  Those same people rarely say that about other types of insurance.  For example: Let’s say you have insurance on a motorcycle you own, and you decide to sell the bike.  Would you continue paying the insurance premiums for that bike?  No, of-course not, and you’d probably be glad you never needed to make a claim and relieved not to have to pay the premiums anymore.  Financially, the “I haven’t gotten anything out of it yet” scenario isn’t a good reason to continue paying on a life insurance policy; however, there are a few scenarios in which keeping an insurance policy after retirement may make sense.   ## **6 Reasons Why Life Insurance after Retirement May be Right for You** ### Inadequate pension: If your family relies on a spouse’s monthly pension payment, and that spouse chooses the higher payments of a plan that is based solely on his/her life expectancy, rather than the lower payments of a “joint and survivor” benefit option or if only a low percentage of the pension is paid to the surviving spouse, you may want to consider keeping your life insurance policy to avoid a financial hardship for the surviving spouse or family members. ### Non-adult children: Many couples are choosing to have children later in life.  If you retire and still have children who rely on you for their financial security, a life insurance policy can help. ### Inheritance: For some parents, it’s important to leave their children (even financially-secure, grown children) an inheritance.  A life insurance policy can provide your children extra financial security for years to come. ### Legacy: Naming your favorite non-profit organization as your primary beneficiary is a great way to pay a little each month and leave a substantial amount to a charitable cause. ### Estate Taxes: If you’re leaving behind a large, illiquid estate, the taxes your beneficiaries will need to pay can be significant.  A life insurance policy can help maintain your estate without affecting their personal assets. ### Business Owners: If you are a business owner or partner of a company with illiquid assets, you may want to consider keeping your life insurance policy.  Illiquid assets are subject to both taxation and market flux.  A life insurance policy can ensure that your business won’t have to liquidate corporate assets.   ## **Temporary or Permanent Life Isurance Policy?** If you decide that you still need a life insurance policy after retirement, you probably don’t need as much or as long of a term, which is good since your rates will increase as you age.  Rather than renewing a term (or temporary) policy, it may be wise to take out a permanent policy (such as a universal or whole life plan). Although permanent policies are generally more expensive, they usually provide higher benefits and you’re guaranteed to “get something out of them.” ## **Learn More About Life Insurance - Contact Us!** ![Contact us to learn if life insurance in retirement is right for you. ](https://www.aigltd.com/hs-fs/file-1569315379-jpg/images/life-insurance-during-retirement-300.jpg?width=150&height=113&name=life-insurance-during-retirement-300.jpg)Life insurance can be a difficult topic to discuss. There is no one-size-fits-all approach to retirement or to life insurance. At Amerian Insuring Group we can help you determine your best course of action regarding life insurance after retirement; please [**contact us**](https://www.aigltd.com/contact/) at **(800) 947-1270 or (610) 775-3848**. 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