{"id":403018,"date":"2024-06-24T18:13:16","date_gmt":"2024-06-24T18:13:16","guid":{"rendered":"https:\/\/fidelitylife.staging.thisismess.io\/life-insurance-basics\/uncategorized\/life-insurance-for-singles\/"},"modified":"2024-06-24T18:13:16","modified_gmt":"2024-06-24T18:13:16","slug":"life-insurance-for-singles","status":"publish","type":"post","link":"https:\/\/staging03.wordpress.fidelitylife.com\/?p=403018","title":{"rendered":"Life insurance for singles"},"content":{"rendered":"<div>\n<section class=\"page-content block block-page-content\" tabindex=\"-1\">\n<div class=\"page-content-inner\">\n<h2>Key takeaways<\/h2>\n<ul class=\"box-list\">\n<li style=\"list-style-type: none;\">\n<ul>\n<li data-gc-list-depth=\"1\" data-gc-list-style=\"bullet\">Even if you don\u2019t have a spouse or dependent, you may want to purchase life insurance to help with final expenses or to settle debts after you die.<\/li>\n<li data-gc-list-depth=\"1\" data-gc-list-style=\"bullet\">Your premiums will likely be lower when you are younger and healthier, making it a good time to purchase life insurance.<\/li>\n<li data-gc-list-depth=\"1\" data-gc-list-style=\"bullet\">Term or whole life insurance can meet your needs if you are single, and both can be customized with riders.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<\/div>\n<\/section>\n<section class=\"page-content block block-page-content\" tabindex=\"-1\">\n<div class=\"page-content-inner\">\n<h2><strong> Why should singles have life insurance? <\/strong><\/h2>\n<p>If you are single, should you have life insurance? Many single people assume they don\u2019t need life insurance, especially if they don\u2019t have any dependents.<\/p>\n<p>However, there are many good reasons for single people to buy life insurance.<\/p>\n<h2><strong> Reasons single people should have life insurance <\/strong><\/h2>\n<p>Being single doesn\u2019t mean you don\u2019t need life insurance. Life insurance provides important protections beyond income replacement to care for a spouse or child. There are important financial protections for individuals, too.<\/p>\n<h3><strong> Lock In Financial Protections While You\u2019re Younger and Healthier <\/strong><\/h3>\n<p>Some people wait to buy life insurance until it\u2019s needed to protect a loved one. However, if you are young and healthy, buying a policy now can help protect you (and them) down the line. In general, premiums increase as you age and your health changes. Waiting also increases the chance you could be diagnosed with a severe medical condition, which may further limit your options or increase your premiums.<\/p>\n<p>You might select a <a href=\"\/life-insurance\/term-life-insurance\/\"> term life policy <\/a> to keep premiums more affordable. You can determine your term length (10, 15, 20, or 30 years) based on your personal circumstances and future plans. <a href=\"\/life-insurance\/term-life-insurance\/rapidecision-life\/\"> Explore term life options from Fidelity Life <\/a> .<\/p>\n<h3><strong> Access Benefits in Case of Terminal Illness <\/strong><\/h3>\n<p>If you were to get a diagnosis of terminal illness, having a life insurance policy with the right kind of additional coverage in place could prove invaluable. Purchasing a <a href=\"\/life-insurance\/life-insurance-riders\/terminal-illness-accelerated-death-benefit-life-insurance-rider\/\"> terminal illness rider <\/a> , also called an accelerated benefits rider, allows you to tap into a portion of the death benefit early to help ensure you are well taken care of at the end of life.<\/p>\n<p>Explore a <a href=\"\/life-insurance\/life-insurance-riders\/terminal-illness-accelerated-death-benefit-life-insurance-rider\/\"> terminal illness rider <\/a> from Fidelity Life.<\/p>\n<h3><strong> Settle Your Debts <\/strong><\/h3>\n<p>If you have loans or debt that will remain in the event of your unexpected death, your family could be left with the responsibility \u2013 especially if they cosigned for you. Having a life insurance policy in place could help <a href=\"https:\/\/www.nerdwallet.com\/article\/insurance\/life-insurance-to-pay-off-debt\" target=\"_blank\" rel=\"noopener\">ensure your loved ones aren\u2019t left with a mountain of debt<\/a>.<\/p>\n<h3><strong> Handle Final Expenses <\/strong><\/h3>\n<p>A life insurance policy can help cover your final expenses, like funeral and burial costs. Consider a <a href=\"\/life-insurance-basics\/final-expense-life-insurance-101\/final-expense-life-insurance\/\"> final expense <\/a> policy, which can take a significant financial responsibility off of your loved ones in case you were to pass away suddenly.<\/p>\n<p><a href=\"\/life-insurance\/final-expense-insurance\/rapidecision-final-expense-insurance\/\"> Explore final expense policies from Fidelity Life <\/a> .<\/p>\n<h3><strong> Leave an Inheritance or Gift <\/strong><\/h3>\n<p>Even if you don\u2019t have children, you may want to leave behind an inheritance to another family member, close friend, or other loved one. A death benefit from your policy could help ensure your nieces or nephews get to go to college. A best friend listed as your beneficiary could be comforted with the knowledge of how deeply you valued their friendship. If you have a favorite charity, you could leave a legacy behind in the form of a benefactor donation.<\/p>\n<h2><strong> Best types of life insurance for singles <\/strong><\/h2>\n<p>If you are young and have limited funds, but are healthy, a <a href=\"\/life-insurance\/term-life-insurance\/\"> term life insurance policy <\/a> could be the best option for you. Add riders if you can, such as <a href=\"\/life-insurance\/life-insurance-riders\/terminal-illness-accelerated-death-benefit-life-insurance-rider\/\"> terminal illness rider <\/a> . This will protect you in case you become terminally ill or disabled and cannot work or pay your premiums.<\/p>\n<p>Want to learn more about term life insurance policies? Fidelity Life offers two term insurance policies, <a href=\"\/life-insurance\/term-life-insurance\/rapidecision-life\/\"> <strong> <em> RAPID <\/em> <\/strong> ecision\u00ae Life <\/a> and <a href=\"\/life-insurance\/term-life-insurance\/rapidecision-senior-term-life-insurance\/\"> <strong> <em> RAPID <\/em> <\/strong> ecision\u00ae Senior Life Term <\/a> .<\/p>\n<p>If you are older and more established, you may want to set up a <a href=\"\/life-insurance\/permanent-life-insurance\/\"> permanent life policy <\/a> that provides you with a cash value option. You can draw against the cash value of your policy in later years to accomplish goals like paying off your home, or make dreams like traveling the world come true.<\/p>\n<p>Want to learn more about permanent life insurance policies? Fidelity Life offers two permanent policies, <a href=\"\/life-insurance\/term-life-insurance\/rapidecision-senior-term-life-insurance\/\"> <strong> <em> RAPID <\/em> <\/strong> ecision\u00ae Senior Whole Life <\/a> and <a href=\"\/life-insurance\/final-expense-insurance\/rapidecision-final-expense-insurance\/\"> <strong> <em> RAPID <\/em> <\/strong> ecision\u00ae Final Expense <\/a> .<\/p>\n<\/div>\n<\/section>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Key takeaways Even if you don\u2019t have a spouse or dependent, you may want to purchase life insurance to help with final expenses or to settle debts after you die. Your premiums will likely be lower when you are younger and healthier, making it a good time to purchase life insurance. Term or whole life [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":510293,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[4],"tags":[],"class_list":["post-403018","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-life-insurance-101"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Life insurance for singles - Fidelity Life<\/title>\n<meta name=\"description\" content=\"Explore the benefits of life insurance for singles and how it can provide financial security, cover debts, and support loved ones.\" \/>\n<meta name=\"robots\" content=\"noindex, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" 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