{"id":9067,"date":"2020-02-01T15:16:21","date_gmt":"2020-02-01T21:16:21","guid":{"rendered":"https:\/\/www.cainwatters.com\/digitalblogs\/?p=9067"},"modified":"2020-02-11T13:29:38","modified_gmt":"2020-02-11T19:29:38","slug":"choose-life-insurance","status":"publish","type":"post","link":"https:\/\/www.cainwatters.com\/digitalblogs\/choose-life-insurance\/","title":{"rendered":"Choosing the Right Life and Disability Insurance for You"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"9067\" class=\"elementor elementor-9067\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"has_ae_slider elementor-section elementor-top-section elementor-element elementor-element-6f7fa32e elementor-section-boxed elementor-section-height-default elementor-section-height-default ae-bg-gallery-type-default\" data-id=\"6f7fa32e\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"has_ae_slider elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-40c9361b ae-bg-gallery-type-default\" data-id=\"40c9361b\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5f8b9dc2 elementor-widget elementor-widget-heading\" data-id=\"5f8b9dc2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Determine exactly how much you need<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5774fdbf elementor-widget elementor-widget-text-editor\" data-id=\"5774fdbf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Nearly everyone understands the importance of expecting the unexpected. It is one of the reasons the process of financial planning exists\u2013to provide security no matter what storm you may weather. Insurance plays an important role because it protects the hard work you\u2019ve put into your dental practice, and peace of mind in the process.<\/p><p>\u201cShould you unexpectedly pass away, you want to make sure you don\u2019t leave loved ones in a financially stressed situation,\u201d explains David Forbess, a CPA and financial planner at CWA. \u201cThey\u2019ve already been stressed enough after something traumatic or disabling. Life and disability insurance help to not leave anyone in a lurch.\u201d<\/p><p>Together, the right life insurance and disability plan can ease the impact of a traumatic life event that could endanger your financial plan. But, how much insurance do you need? What does it cost and how do you know if you\u2019ve purchased the right kind?<\/p><h5><strong>Life Insurance<\/strong><\/h5><p>Typically, life insurance is purchased as either term or whole\/universal. Term covers only a span of time, often within 10-30 years. It is a good fit for covering the cost of a mortgage, school tuition or paying off debt. On the other hand, whole life insurance covers your entire lifetime, and it has an investment component that builds cash value. Term is usually less expensive: 5-10% compared to whole. The monthly premium for both is determined by age, gender, along with your and your family\u2019s health history. <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"has_ae_slider elementor-section elementor-top-section elementor-element elementor-element-63b483c8 blue-box elementor-section-boxed elementor-section-height-default elementor-section-height-default ae-bg-gallery-type-default\" data-id=\"63b483c8\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"has_ae_slider elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-74aac614 ae-bg-gallery-type-default\" data-id=\"74aac614\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-555fa48 elementor-widget elementor-widget-text-editor\" data-id=\"555fa48\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>\u201cOur firm often focuses on term life insurance because we can capture benefits for clients by putting money in retirement plans, 401(k) plans and IRAs while maximizing tax deductions. Whole life insurance may be valuable to those who are maxing out their contributions to these types of plans. It\u2019s another bucket we can use.\u201d<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1faaa32a elementor-widget elementor-widget-text-editor\" data-id=\"1faaa32a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>David Forbess, CPA and Financial Planner<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"has_ae_slider elementor-section elementor-top-section elementor-element elementor-element-14bdfaf4 elementor-section-boxed elementor-section-height-default elementor-section-height-default ae-bg-gallery-type-default\" data-id=\"14bdfaf4\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"has_ae_slider elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-5053f5f8 ae-bg-gallery-type-default\" data-id=\"5053f5f8\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-39fd13f1 elementor-widget elementor-widget-text-editor\" data-id=\"39fd13f1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong><em>How much do I need?<\/em><\/strong><\/p><p>Everyone\u2019s needs are different when considering the total amount of coverage needed. To begin, David recommends considering if something were to happen, how much would it take for your family to extinguish all debts and continue to live comfortably. Sometimes, David will work with clients on an estimated monthly budget and use it to determine the total coverage needed for a policy. He also takes into consideration retirement savings and investment gains of 4-5% per year.<\/p><p>\u201cEvery three to four years, you should revisit the total amount of life insurance. Slowly, as you begin the process of accumulating wealth, you become self-insured to a degree,\u201d notes David. He likes to stagger policies for clients in 10-, 20- and 30-year policies so that as they grow older and wealth accumulation grows, they can peel back insurance policies.<\/p><p><strong><em>What else should I know?<\/em><\/strong><\/p><p>David suggests keeping a few things in mind while shopping for life insurance:<\/p><ul><li>Name a beneficiary that aligns with your estate documents.<\/li><li>Work with an insurance professional with a good, reputable company.<\/li><li>Apply for policies before age 40, if possible, to get the best deal on premiums.<\/li><li>Keep track of your policies and inform your loved ones. Payouts from policies usually happen within 30-90 days and take longer when policy paperwork can\u2019t be found.<\/li><\/ul><h5><strong>Disability Insurance<\/strong><\/h5><p>Any worker\u2019s financial plan should include protection in case you aren\u2019t able to work for an extended period of time. The Council for Disability Awareness reports that more than 25% of today\u2019s 20-year-olds will be disabled for at least one year before retirement. Every year, 5.6% of Americans experience a short-term disability and that\u2019s why disability insurance is crucial. And, it\u2019s not only about lost income, particularly for dental professionals.<\/p><p>\u201cFor younger dentists, it is a larger concern because disability goes away at age 65,\u201d notes David. \u201cIf you become disabled early in life, you need to make sure you can cover the next 30 or so years of savings you\u2019ll miss out on.\u201d<\/p><p>Dentists should be aware of three different kinds of disability insurance policies:<\/p><ul><li><strong>Personal disability policies<\/strong> can cover your expenses at home and replace your income. Short-term is typically up to three months with long-term plans covering periods beyond three months.<\/li><li><strong>Business loan protection policies (also known as business reducing term policies)<\/strong>, which are policies pledged to a bank. If you become disabled, your loan is paid for by the policy.<\/li><li><strong>Business overhead policies<\/strong> can cover the costs of running the business itself, like rent, utilities, wages or taxes.<\/li><\/ul><p>David notes that a good rule of thumb for premium pricing is that disability insurance premiums are typically 40-50 cents on the dollar, for every dollar of benefit you receive. Premiums are also usually more expensive for women due to maternity needs. For dental professionals with high earning potential, policies may seem costly; so, you should determine exactly how much coverage is right for you.<\/p><p><strong><em>How much do I need?<\/em><\/strong><\/p><p>Much like life insurance, it is important to know how much money you and your family require in your monthly budget. A good rule of thumb is to target at least 70% of your current salary and to consider whether you have enough emergency savings to last up to six months for any short-term disability. Because short-term policies can be pricey, it is usually better to build up a cash reserve and shop for long-term policies.<\/p><p>Also, consider policies within the context of your personal financial liquidity and your business\u2019 available working capital. Can you and your business withstand your long-term absence without a policy?<\/p><p><strong><em>What else should I know?<\/em><\/strong><\/p><p>Keep in mind a few notes from David on disability policies:<\/p><ul><li>Be aware that policies typically have a 60-180 day wait period before policies can begin paying out.<\/li><li>Get the right kind of policy with the right kind of riders (policy provision or amendment), such as an own occupation rider. This covers you when you lose the ability to perform a profession you have been trained in, like dentistry. With a true occupation rider, you would be allowed to have a different job, while still receiving full benefit payments from your policy.<\/li><li>Exercise any future increase options, which allow you to increase benefits without undergoing the underwriting process again.<\/li><li>Consider Cost of Living Adjustments (COLA) over time. Many policies offer riders that keep up with costs over time.<\/li><\/ul><h5><strong>Need help?<\/strong><\/h5><p>If you have unanswered questions about life or disability insurance, not only can an insurance professional help you but also consider consulting a financial planner.<\/p><p>\u201cThis is a very emotional topic. However, I like to look at it from a math standpoint and understand what my client\u2019s wishes are for taking care of their family. Often, it becomes a math equation at that point, to see how the numbers play out in different scenarios,\u201d explains David. \u201cWe\u2019re here to help.\u201d<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"has_ae_slider elementor-section elementor-top-section elementor-element elementor-element-1a6c18f1 elementor-section-boxed elementor-section-height-default elementor-section-height-default ae-bg-gallery-type-default\" data-id=\"1a6c18f1\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"has_ae_slider elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-4ef69328 blue-box ae-bg-gallery-type-default\" data-id=\"4ef69328\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5f5baa32 elementor-widget elementor-widget-text-editor\" data-id=\"5f5baa32\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Contact our team for a complimentary consultation to learn more about how insurance plays an important role in your full financial plan.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a4d3697 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"a4d3697\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"http:\/\/www.cainwatters.com\/contact\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">TAKE THE NEXT STEP<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"has_ae_slider elementor-section elementor-top-section elementor-element elementor-element-60ce5f4 elementor-section-boxed elementor-section-height-default elementor-section-height-default ae-bg-gallery-type-default\" data-id=\"60ce5f4\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"has_ae_slider elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-09cd699 ae-bg-gallery-type-default\" data-id=\"09cd699\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-0041956 elementor-widget elementor-widget-text-editor\" data-id=\"0041956\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p style=\"font-size: 12px;\"><em> Cain Watters is a Registered Investment Advisor. Cain Watters only conducts business in states where it is properly registered or is excluded from registration requirements. Registration is not an endorsement of the firm by securities regulators and does not mean the adviser has achieved a specific level of skill or ability. Request Form ADV Part 2A for a complete description of Cain Watters investment advisory services. Diversification does not ensure a profit and may not protect against loss in declining markets. Past performance is not an indicator of future results. <\/em><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Determine exactly how much you need Nearly everyone understands the importance of expecting the unexpected. It is one of the reasons the process of financial planning exists\u2013to provide security no matter what storm you may weather. Insurance plays an important role because it protects the hard work you\u2019ve put into your dental practice, and peace [&hellip;]<\/p>\n","protected":false},"author":7,"featured_media":9068,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[16,41,18],"tags":[],"ppma_author":[48],"class_list":["post-9067","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-digital-news-feature","category-featured","category-financial-planning"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.0 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Choosing the Right Life and Disability Insurance for You<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.cainwatters.com\/digitalblogs\/choose-life-insurance\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Choosing the Right Life and Disability Insurance for You\" \/>\n<meta property=\"og:description\" content=\"Determine exactly how much you need Nearly everyone understands the importance of expecting the unexpected. It is one of the reasons the process of financial planning exists\u2013to provide security no matter what storm you may weather. Insurance plays an important role because it protects the hard work you\u2019ve put into your dental practice, and peace [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.cainwatters.com\/digitalblogs\/choose-life-insurance\/\" \/>\n<meta property=\"og:site_name\" content=\"Cain Watters Blog\" \/>\n<meta property=\"article:published_time\" content=\"2020-02-01T21:16:21+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2020-02-11T19:29:38+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.cainwatters.com\/digitalblogs\/wp-content\/uploads\/sites\/2\/2020\/01\/life-insurance.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t<meta property=\"og:image:height\" content=\"628\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"CWA\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta 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It is one of the reasons the process of financial planning exists\u2013to provide security no matter what storm you may weather. Insurance plays an important role because it protects the hard work you\u2019ve put into your dental practice, and peace [&hellip;]","og_url":"https:\/\/www.cainwatters.com\/digitalblogs\/choose-life-insurance\/","og_site_name":"Cain Watters Blog","article_published_time":"2020-02-01T21:16:21+00:00","article_modified_time":"2020-02-11T19:29:38+00:00","og_image":[{"width":1200,"height":628,"url":"https:\/\/www.cainwatters.com\/digitalblogs\/wp-content\/uploads\/sites\/2\/2020\/01\/life-insurance.jpg","type":"image\/jpeg"}],"author":"CWA","twitter_card":"summary_large_image","twitter_misc":{"Written by":"CWA","Est. reading time":"6 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