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Short Term Insurance

Fulfilling Short Term Needs

How does one use short term insurance policies, you need coverage for a limited period of time.

Most life insurance needs are for the long term but there are some needs that are categorized as short term needs.

Let us take a look and see why you would need shorter coverage time, coverage for limited term periods.


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How Short Term Insurance Can Help

  • Debt Protection

    Some business people have what is considered floating debts. They have credit lines with their banks or financial organizations which they use to finance the everyday operating costs of the business.

    The banks make money from this and it suits the businessman as well. The big concern, however, is what will happen if the owner of the business should die suddenly.

    Could the bank be repaid? They are certain to be repaid if the business owner has a floating debt term life insurance policy naming the financial organization as beneficiary.

    The types of policies you would use are yearly renewable term, 5 year level term or possibly 10 year level term insurance. Upon the death of the businessman the bank is paid off. If there is any money left over it goes to the family of the insured.

    This idea can be applied to any outstanding uninsured loan.
  • College Costs

    One good reason to buy short term life insurance is if you have a child in college. You know that you will be able to pay the costs as long as you are alive and working but what if you should die before your child or grandchild graduates.

    This problem is easily solved by owning a policy for the short term. Again a 5 year term or a 10 year term policy will usually solve the problem

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