{"id":9037,"date":"2019-10-06T05:17:49","date_gmt":"2019-10-06T12:17:49","guid":{"rendered":"http:\/\/evergreensmallbusiness.com\/?p=9037"},"modified":"2019-10-14T10:24:18","modified_gmt":"2019-10-14T17:24:18","slug":"cancelling-life-insurance-three-rules-for-pulling-plug","status":"publish","type":"post","link":"https:\/\/evergreensmallbusiness.com\/cancelling-life-insurance-three-rules-for-pulling-plug\/","title":{"rendered":"Cancelling Life Insurance: Three Rules for Pulling Plug"},"content":{"rendered":"

\"\"<\/a>A nearly $5,000\u00a0 invoice from a life insurance company sits on my desk. But I haven\u2019t paid it yet. Because I’m considering cancelling the policy. Which is a good thing to ponder.<\/p>\n

Life insurance policies, often bought and then renewed on the basis of emotion, can become a fantastic waste of money.<\/p>\n

But cancelling life insurance gets tricky.<\/p>\n

Why Life Insurance Makes Sense<\/h2>\n

Let me start out by stipulating that life insurance makes total sense for lots of people.<\/p>\n

My own story? I bought my policy, a cheap $1,000,000 of term life insurance, decades ago. My wife had stopped working to raise our two daughters. I continued working as a writer and CPA. Our little family depended on my income.<\/p>\n

Buying that $1,000,000 of life insurance made good sense, therefore. Essentially, the life insurance replaced enough years of my earnings that my wife wouldn\u2019t need to rush back into a career if I died.<\/p>\n

I then basically forgot about the policy, keeping it in force for roughly the next 30 years.<\/p>\n

In a few weeks, however, I turn 60. And reflecting that milestone, the premium jumps substantially this next year. I\u2019m looking at close to a $5,000 annual payment. Ouch.<\/p>\n

According, the rumination about cancelling life insurance.<\/p>\n

I\u2019ll tell you at the end of the blog post what I\u2019ve decided to do. But let me share with you the factors I considered and which you may want to consider if you\u2019re faced with a similar choice.<\/p>\n

Do People Depend on My Earnings?<\/h2>\n

For example, here\u2019s the first thing I considered: Do people still depend on my earnings?<\/p>\n

In other words, if I die, does the absence of my earnings create a hardship for someone else. Like my kids. Or my surviving spouse. Or someone else I\u2019m financially responsible for.<\/p>\n

By the way, I don’t think we ask whether someone would live at higher spending level with a \u201cextra\u201d million dollars. That question would always be answered yes.<\/p>\n

What I think we consider is whether anybody for whom you’re or I\u2019m responsible truly depends<\/em> on us working.<\/p>\n

My conclusion? I don\u2019t think anybody does.<\/p>\n

My kids? All grown and taking care of themselves.<\/p>\n

My spouse? Well, we\u2019ve been common-sensed about saving for retirement. (It\u2019s like a law that accountants must do this.) She\u2019ll be fine with the IRA and 401(k) balances we\u2019ve stashed away over the decades. She\u2019s also a few months away from qualifying for retirement benefits.<\/p>\n

Will Heirs or Estate Confront Liquidity Issues?<\/h2>\n

But I don\u2019t think people depending on my or your earnings is the only factor we want to ponder.<\/p>\n

For example, another issue? Will your or my estate confront liquidity issues.<\/p>\n

In other words, will our passing either trigger<\/em> expenses (like estate tax) or accelerate<\/em> payments (like a loan guarantee) that burden heirs?<\/p>\n

Consider for example the prospect of estate taxes…<\/p>\n

Now most people don\u2019t need to worry about federal estate taxes. In 2019, an estate faces federal estate taxes only when the estate’s value exceeds $11,400,000. Few folks need to worry about that.<\/p>\n

But some states levy taxes at lower levels. Washington state, for example, hits estates just over $2 million with hefty estate taxes that run 10 percent to 20 percent.<\/p>\n

Note:<\/strong> In Washington State, special provisions ease the estate tax burden in the case of some illiquid assets like farms and small businesses.<\/a> But I think the provisions don\u2019t really work in every situation.<\/p>\n

And then the issue about whether someone’s passing accelerates expenses…<\/p>\n

In recent years in my own situation, I was the primary guarantor of some commercial real estate lease obligations. Especially at the start of the lease terms, I was alert to the risk that my death might pressure my estate to quickly pay down that business debt.<\/p>\n

In any case, we want to consider these issues. Liquidity concerns may impact your or my need for life insurance. Even if we\u2019re financially independent.<\/p>\n

By the way, in my own case, those contingent liabilities have shrunk over time. I don’t need to worry about them any more.<\/p>\n

Are There Contractual Commitments Related to Cancelling Life Insurance?<\/h2>\n

A quick, final, related point: Do you or I have a contractual commitment to insure our lives?<\/p>\n

For example, do you or do I need to maintain key man life insurance as part of a business partnership or some investment venture?<\/p>\n

Maybe a related point: If a business owner\u2019s untimely death would cause catastrophic problems, will life insurance mitigate a business risk the firm wants to avoid? And if that’s the case, should the business itself start buying key man life insurance?<\/p>\n

In my case, I didn\u2019t have any thing like this playing into my decision. But quite honestly? I\u2019ve seen client situations where key man life insurance makes all the difference to a business, the surviving owners and the firm\u2019s employees.<\/p>\n

Tip:<\/strong> If a business depends on a principal, the firm would typically pay for the life insurance policy. Note that key man life insurance policy premiums don\u2019t count as tax deductions.<\/p>\n

My Own Decision about Cancelling Life Insurance<\/h2>\n

In case you\u2019re interested? After thinking about these issues and conferring with my wife, I cancelled my life insurance.<\/p>\n

Term life insurance isn\u2019t usually a product older, financially independent folks need.<\/p>\n

And continuing to insure against risks that don\u2019t matter much makes zero sense.<\/p>\n

One last note: No, I shouldn’t have purchased whole-life or cash-value insurance to “keep” insurance in the future. The point really is, I just don’t need life insurance anymore…<\/p>\n","protected":false},"excerpt":{"rendered":"

A nearly $5,000\u00a0 invoice from a life insurance company sits on my desk. But I haven\u2019t paid it yet. Because I’m considering cancelling the policy. Which is a good thing to ponder. Life insurance policies, often bought and then renewed on the basis of emotion, can become a fantastic waste of money. But cancelling life […]<\/p>\n","protected":false},"author":1,"featured_media":9045,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_genesis_hide_title":false,"_genesis_hide_breadcrumbs":false,"_genesis_hide_singular_image":false,"_genesis_hide_footer_widgets":false,"_genesis_custom_body_class":"","_genesis_custom_post_class":"","_genesis_layout":"","footnotes":""},"categories":[10],"tags":[],"class_list":{"0":"post-9037","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-personal-finance","8":"entry"},"yoast_head":"\nCancelling Life Insurance: Three Rules for Pulling Plug<\/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:\/\/evergreensmallbusiness.com\/cancelling-life-insurance-three-rules-for-pulling-plug\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Cancelling Life Insurance: Three Rules for Pulling Plug\" \/>\n<meta property=\"og:description\" content=\"A nearly $5,000\u00a0 invoice from a life insurance company sits on my desk. But I haven\u2019t paid it yet. Because I’m considering cancelling the policy. Which is a good thing to ponder. Life insurance policies, often bought and then renewed on the basis of emotion, can become a fantastic waste of money. 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