{"id":17,"date":"2026-09-17T10:00:00","date_gmt":"2026-09-17T10:00:00","guid":{"rendered":"http:\/\/blogs.room-vu.com\/wmsinsurancelv-com\/2026\/09\/17\/whats-the-point-of-life-insurance\/"},"modified":"2026-09-17T10:00:00","modified_gmt":"2026-09-17T10:00:00","slug":"whats-the-point-of-life-insurance","status":"publish","type":"post","link":"https:\/\/www.wmsinsurancelv.com\/blog\/2026\/09\/17\/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\"\n                src=\"https:\/\/www.roomvu.com\/agent\/embed\/ronald-williams-jr\/whats-the-point-of-life-insurance-the-real-cost-breakdown-remotion-videos-7f3b\"\n                frameborder=\"0\"\n                allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture\"\n                allowfullscreen><br \/>\n        <\/iframe>\n    <\/div>\n<div class=\"video-description-zmyer\">\n<p>Let\u2019s talk about why life insurance matters\u2014and how to make it work for you, not the other way around. For a healthy 30-year-old non-smoker, a 20-year term policy with $500,000 in coverage typically costs $25-$40 a month. That number changes fast: hit age 40, and you\u2019re looking at nearly double. If you smoke, you\u2019ll pay two to three times more.<\/p>\n<p>Term policies are all about keeping costs low and coverage high when your family depends on you most. Permanent policies have their place too, but they come with higher costs\u2014think cash value, commissions, and early surrender charges. Yes, they last for life, but the price reflects that.<\/p>\n<p>The smartest path I\u2019ve seen? Maximize your term coverage when your financial responsibilities\u2014like debt and kids at home\u2014are highest, then scale back as those needs shrink. I always recommend a review every five years to keep your protection aligned with your life.<\/p>\n<p>At the end of the day, life insurance isn\u2019t about chasing investment returns. It\u2019s about transferring risk\u2014giving your loved ones certainty and security when it matters most. My role is to make sure your policy does just that: covers you the right way, with clarity and confidence.<\/p>\n<\/p><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Let\u2019s talk about why life insurance matters\u2014and how to make it work for you, not the other way around. For a healthy 30-year-old non-smoker, a 20-year term policy with $500,000 in coverage typically costs $25-$40 a month. That number changes fast: hit age 40, and you\u2019re looking at nearly double. If you smoke, you\u2019ll pay [&hellip;]<\/p>\n","protected":false},"author":437,"featured_media":46,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-17","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-latest-posts"],"_links":{"self":[{"href":"https:\/\/www.wmsinsurancelv.com\/blog\/wp-json\/wp\/v2\/posts\/17","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.wmsinsurancelv.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.wmsinsurancelv.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.wmsinsurancelv.com\/blog\/wp-json\/wp\/v2\/users\/437"}],"replies":[{"embeddable":true,"href":"https:\/\/www.wmsinsurancelv.com\/blog\/wp-json\/wp\/v2\/comments?post=17"}],"version-history":[{"count":0,"href":"https:\/\/www.wmsinsurancelv.com\/blog\/wp-json\/wp\/v2\/posts\/17\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.wmsinsurancelv.com\/blog\/wp-json\/wp\/v2\/media\/46"}],"wp:attachment":[{"href":"https:\/\/www.wmsinsurancelv.com\/blog\/wp-json\/wp\/v2\/media?parent=17"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.wmsinsurancelv.com\/blog\/wp-json\/wp\/v2\/categories?post=17"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.wmsinsurancelv.com\/blog\/wp-json\/wp\/v2\/tags?post=17"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}