{"id":11,"date":"2026-10-11T15:00:00","date_gmt":"2026-10-11T15:00:00","guid":{"rendered":"http:\/\/blogs.room-vu.com\/roodjinaaugustin-com\/2026\/10\/11\/whats-the-point-of-life-insurance\/"},"modified":"2026-10-11T15:00:00","modified_gmt":"2026-10-11T15:00:00","slug":"whats-the-point-of-life-insurance","status":"publish","type":"post","link":"https:\/\/www.roodjinaaugustin.com\/blog\/2026\/10\/11\/whats-the-point-of-life-insurance\/","title":{"rendered":"What\u2019s the Point of Life Insurance?"},"content":{"rendered":"<div class=\"video-zmyer\">\n<div class=\"video-frame-zmyer\">\n        <iframe loading=\"lazy\" width=\"640\" height=\"640\" src=\"https:\/\/www.roomvu.com\/agent\/embed\/roodjina-augustin\/whats-the-point-of-life-insurance-the-real-cost-breakdown-remotion-videos-7f3b\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture\" allowfullscreen><br \/>\n        <\/iframe>\n    <\/div>\n<div class=\"video-description-zmyer\">\n<p>As someone who\u2019s dedicated to helping families understand the role of life insurance, I often see confusion around what it\u2019s really for. Here\u2019s the heart of it: life insurance is about risk transfer, not investing. For a healthy 30-year-old non-smoker, a 20-year term policy for $500,000 has typically cost between $25 and $40 per month. The biggest factor in your premium? Age. A 40-year-old can expect to pay about twice as much as a 30-year-old, and smokers often see rates two to three times higher.<\/p>\n<p>Term life policies are straightforward and keep costs low, which is why I often recommend them to clients during their peak years of financial responsibility. Permanent policies do offer lifelong coverage and build cash value, but they come with higher fees, front-loaded commissions, and early surrender charges. In my experience, the most cost-effective approach is to secure maximum term protection when you have dependents or significant debts, then scale back as your situation changes\u2014checking in every five years to stay on track.<\/p>\n<p>Your premiums don\u2019t just vanish: they provide a safety net for your loved ones, covering future claims and supporting the stability of the insurer. That\u2019s the certainty life insurance is built to deliver.<\/p>\n<\/p><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>As someone who\u2019s dedicated to helping families understand the role of life insurance, I often see confusion around what it\u2019s really for. Here\u2019s the heart of it: life insurance is about risk transfer, not investing. For a healthy 30-year-old non-smoker, a 20-year term policy for $500,000 has typically cost between $25 and $40 per month. [&hellip;]<\/p>\n","protected":false},"author":560,"featured_media":12,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-11","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-latest-posts"],"_links":{"self":[{"href":"https:\/\/www.roodjinaaugustin.com\/blog\/wp-json\/wp\/v2\/posts\/11","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.roodjinaaugustin.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.roodjinaaugustin.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.roodjinaaugustin.com\/blog\/wp-json\/wp\/v2\/users\/560"}],"replies":[{"embeddable":true,"href":"https:\/\/www.roodjinaaugustin.com\/blog\/wp-json\/wp\/v2\/comments?post=11"}],"version-history":[{"count":0,"href":"https:\/\/www.roodjinaaugustin.com\/blog\/wp-json\/wp\/v2\/posts\/11\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.roodjinaaugustin.com\/blog\/wp-json\/wp\/v2\/media\/12"}],"wp:attachment":[{"href":"https:\/\/www.roodjinaaugustin.com\/blog\/wp-json\/wp\/v2\/media?parent=11"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.roodjinaaugustin.com\/blog\/wp-json\/wp\/v2\/categories?post=11"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.roodjinaaugustin.com\/blog\/wp-json\/wp\/v2\/tags?post=11"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}