What does term life insurance have to do with sex appeal?

Okay, if you're really asking "What does term life insurance have to do with sex appeal?" then you're smarter than the people who read the title of this page and believed it without asking any questions.

The truth is that humans are attracted to financial security. That's the reason why we use our promising career or financial assets as lures to attract partners. And term life insurance is all about financial security.

Really? That's the only connection between between sex and term life insurance?

Surely, you've seen the adds that proceed, "SEX! ...Now that I've got your attention, buy Maxwell House Coffee." Well, that's the largest connection between sex and anything else, really, and it's not different with term life insurance.

In fact, there's an old proverb that goes something like this: "Give a man a fish, feed him for a day. Kill a man, and he'll never be hungry again. ...But his family might be. Let's hope they bought term life insurance."

Yes, a cheaper solution would be to just not kill the man in the first place, but even if you don't kill him, someone else might. Uncertainty is what term life insurance is all about.

So you're nibbling at the bait. Here's the hook.

Term life insurance is pretty important . In fact, I daresay it's more important than any of the bands you like today. After all, in ten years, who's going to remember them? But if you die tomorrow and your family gets a death benefit from your term life insurance policy, that should have an impact far more lasting than a decade.

But why shouldn't term life insurance be more important than those loser bands? I remember kids in high school liking groups like Sugar Ray, Sublime, and Sound Garden. Where are those bands today? Playing for coppers in the jube. And where are those kids today? I don't know because I haven't seen any of them since before graduation. (I didn't see them at graduation because I didn't attend.) That should give you an idea of how important term life insurance is compared with other things like faux rock bands and high schoolers.

Sounds great. Where do I start?

You may find it odd, but the starting place for term life insurance is not actually shopping for term life insurance. It's finding out just what your needs are. How much life insurance coverage will you need? And how long will you need it?

Calculating just how much term life insurance you require is an easy enough task, but it scares many people away because it involves 3rd-grade math, and how many of us remember what we were taught in third grade? ...I think someone told me not to run with scissors. Anyway, to give you a vague (very vague) idea of how much of a death benefit your family may need, shoot for 8 to 12 times your annual salary. If you are inundated with much debt, like much of the nation is, 13 to 15 times your salary will be more appropriate.

If you are one of the five percent of taxpayers who pay 95% of the nation's taxes, then you can probably do fine with only 5 times your annual salary, though your survivors are unlikely to maintain the lifestyle which you have heretofore provided for them.

In most cases, your needs will decrease over time, so it is often wise to buy several term life insurance policies at once. One will last 30 years. One will last 20 years. And one will last 10 years. That way, if you die tomorrow, your family will collect on three different policies (when their needs are the greatest). If you die 29 years from now, your family will collect from only one life insurance policy (when their needs are the least).

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