[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"$f4KMxso3p7QR8miZWQ8jFqr2ITAE0g12Q2u4pKun3258":3},{"data":4,"headers":601},{"brand":5,"route":6,"title":7,"seo":8,"components":17,"pageMeta":429,"dataSources":442},"holiday","\u002Fretirement-guide\u002Ffinancial-planning-for-seniors\u002Ffinding-the-best-life-insurance-for-seniors","Finding the Best Life Insurance for Seniors",{"_uid":9,"title":10,"ogType":11,"robots":12,"schema":13,"ogTitle":10,"ogLocale":14,"component":15,"description":16,"twitterCard":12,"ogDescription":16,"geo.position":12,"geo.placename":12,"geo.region":12},"c1fd43c5-35af-47c8-b3f0-24585b509616","Senior Life Insurance | Holiday by Atria","website","","{\n  \"@context\": \"http:\u002F\u002Fschema.org\",\n  \"@type\": \"Article\",\n  \"headline\": \"Finding the Best Life Insurance for Seniors\",\n  \"datePublished\": \"2022-12-14\",\n  \"image\": \"https:\u002F\u002Fa-us.storyblok.com\u002Ff\u002F1018269\u002F1920x1080\u002F77d37c5bfb\u002Finsurance-options_16x9.jpg?cv=1729520973108\",\n  \"articleBody\": \"Assessing your financial situation and determining if life insurance would benefit you is an important part of estate planning, but choosing the right policy for your situation can be a challenge. It can be even more difficult for older adults who may not qualify for certain policies based on age or required medical exams.\nThis blog will look at the different life insurance policies for seniors and dig into why certain policies are a better fit than others for older adults.\nWhich is better for seniors, whole life or term life insurance?\nBecause many whole life insurance plans have age limits and higher premiums for older adults, finding the best whole life insurance for seniors can be a challenge. While term life policies are more flexible, those with a longer term may still have age caps. That’s why the best life insurance option for older adults may be a short-term policy, such as a 10-year plan, or a final expense whole life policy, which keeps rates low by offering a smaller benefit.\nIn some cases, you may find that life insurance isn’t worth the investment at all. Though AARP offers life insurance for seniors, even they mention that life insurance doesn’t always make sense for older adults. “If you have debt, and your spouse and others depend on you,” AARP notes, “then [life insurance] may be a good choice. It may not be if you have little or no debt and your retirement assets are substantial.”\nHow much life insurance should a senior get?\nA common approach to calculating life insurance coverage is determining how much assistance your dependents will need and how long they’ll need it. Older adults who don’t have young children might be more concerned with how to spare surviving family members from taking on their outstanding debts, such as a mortgage, credit card liability or medical bills. For this situation, Forbes recommends a simple equation\nFinancial obligations you’d like to cover – minus your available assets – equals your coverage needed.\nDepending on your personal situation, you might use one or both of these methods to calculate the best coverage for you.\nLife insurance options for seniors\nThere are two things you can do to help determine which plan makes the most sense for your situation. The first is to have a clear idea of why you’re seeking a plan – whether it’s to protect family from debt, cover funeral costs or provide a legacy. The second is to understand the limitations of different life insurance options as well as what they offer. Fortunately, we’re about to cover many of the options you’ll encounter if you’re shopping for plans.\nPermanent life insurance\nPermanent life insurance, frequently used interchangeably with whole life insurance, lasts your entire life and comes with a savings account in which you can:\nBorrow against\n \tReinvest in the policy to increase the death benefit\n \tUse to cover premiums if you have a sudden change in your financial situation\nThese benefits, along with higher death benefits and the fact that you have to pay premiums for the entire life of the policy, mean permanent policies cost more than term life policies.\nWhile there is no universal age limit for permanent policies, they are commonly capped between 70 and 85 years of age and premiums increase based on the age of the policyholder.\nThat said, not all policies are created equal. Below are some types of permanent life insurance policies you may encounter.\nWhole life\nWhole, or ordinary life insurance, is the most common type of permanent life policy. A policyholder pays a consistent monthly premium for a predetermined death benefit and a savings account that is funded by company-paid dividends.\nUniversal life\nUniversal life plans offer slightly more flexibility than a whole life policy. Passing a medical exam could increase your death benefit, and you may be able to alter your premium payments if your plan savings account has adequate funds to cover the difference.\nVariable life\nWith a variable life policy, your savings account can be invested in stocks, bonds and money market mutual funds. As with any portfolio, you’ll need to consider the risks and possible rewards of these investments. Some – but not all policies guarantee that your death benefit will be maintained, even if your investments do poorly.\nVariable universal life\nA variable universal life plan combines the flexible premiums and death benefit of a universal policy with the increased risk and reward that comes with a variable policy.\nTerm life insurance for seniors\nTerm life insurance plans are the most affordable because they’re only active for a set period – either 10, 15, 20 or 30 years. Premiums for these plans – like permanent plans – are based on age and plan duration. That means longer policies and plans purchased later in life have higher premiums because they include the increased health risks associated with aging.\nPeople typically choose a term life insurance plan because it’s a more accessible way to cover a specific life event or purchase. For example, young families may want a 30-year policy that will ensure their children are financially protected through college, while someone who is paying off a short-term debt could choose a shorter time frame.\nOlder adults may find that longer terms are more difficult to qualify for or afford. For example, according to NerdWallet, the most common term policy lasts 20 years and comes with $500,000 in coverage. That policy would cost a 30-year-old woman $189 per year, but would cost $8,235 per year for a 70-year-old woman. However, premium rates remain consistent, so the 30-year-old woman will still be paying the same rate when the plan expires 20 years later.\nFinal expense insurance for seniors\nFinal expense insurance is a form of whole life insurance for seniors that also builds a cash value over time. The main difference is that final expense plans offer a smaller death benefit (typically $2,000 to $35,000) to keep premiums low, while more traditional permanent life policies offer benefits of $100,000 or more.\nBecause it’s relatively easy to qualify for – there are no medical exams, and it’s typically available until age 85 – this type of policy is an appealing option for older adults who want to protect family from end-of-life expenses, such as funeral or medical bills.\nGuaranteed life insurance for seniors\nGuaranteed final expense insurance is slightly different than the policy described above.\nThough it’s easier to qualify for, guaranteed issue life insurance comes with a two- or three-year waiting period before the full benefit will be paid. If the policyholder dies during the waiting period, the insurance company pays back the premiums with interest instead of the benefit.\nApplicants with serious medical issues who cannot qualify for another type of coverage may opt for this type of policy.\nProtecting seniors from insurance fraud\nWhen it comes to navigating senior life insurance, choosing a policy isn’t the only challenge.\nInsurance fraud is real, and it doesn’t just refer to criminals stealing from massive insurance companies. According to ConsumerAffairs, more than 3.5 million seniors fall prey to financial exploitation each year, with an average loss of $34,200.\nLearning what to look for can be key in protecting yourself from financial scams.\nAgents and life insurance fraud\nOne of the most common scams is called premium diversion, which is when unethical agents keep their clients’ premium payments. Agents have also been caught “fee churning” or convincing clients to change policies so they can get a commission – and while the new plan may be more expensive, it may not provide additional benefit.\nFinally, one of the most troubling scams is when a dishonest agent forges a client signature to assign themselves as the beneficiary on the client’s policy.\nTo avoid scams like these, verify that your agent is licensed by contacting your state department of insurance, and if you pay by check, pay the insurance company directly, rather than an agent.\nOther scams to watch out for\nWhile the scams mentioned above are distressing, fraud isn’t limited to agents.\nGhost brokers are people who pose as agents to sell fake life insurance for seniors. They may also:\nAdvertise fake, cheap policies on platforms like Facebook\nContact you to report an “issue” with your policy to gather sensitive information, such as a Social Security number\nCall to say that you are the beneficiary of a life insurance plan but, due to a few missed premiums on the policy, you’ll need to pay them to get the benefit\nForbes notes that the best way to is to only work with licensed agents and to review your policy annually to make sure nothing has been changed without your authorization.\nThe right coverage is up to you.\nThere may not be a trustworthy and inexpensive life insurance plan for seniors out there, but that doesn’t mean there aren’t smart and affordable options. When it comes to choosing whether or not you need life insurance and what type to get, it all comes down to your personal situation and retirement plan. Speaking to your financial advisor is the best way to assess your specific needs and the available options.\nKeep reading the blog to learn more about working with a financial advisor and developing a financial plan for retirement.\"\n}","en_US","seo-fields","Securing senior life insurance can be challenging. Learn about the different types of life insurance policies for seniors to find one that meets your needs.",[18,222,271,275,289,295,307,341,374],{"componentName":19,"props":20},"BrandNavigation",{"facCtaText":21,"keyMarkets":22,"companyLogo":114,"facLocation":122,"brandNavLinks":123,"topOffset":203,"facPlaceholder":204,"companyNavLinks":205,"findCommunityCopy":221},"Search 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If you have questions or want to make changes to your request, give us a call at ","First Name is required.",{"componentName":272,"props":273},"ContentHubArticleHero",{"topLine":121,"className":12,"bottomLine":121,"topPadding":121,"componentId":12,"bottomMargin":230,"allowMaxWidth":121,"bottomPadding":121,"lastUpdatedCopy":274,"extraContainerClassName":12},"Last Updated",{"componentName":276,"props":277},"ContentHubArticleBody",{"topLine":121,"className":12,"bottomLine":121,"topPadding":121,"componentId":12,"bottomMargin":230,"cardLinkText":278,"nextPostCopy":279,"allowMaxWidth":121,"bottomPadding":121,"articleContent":280,"watchVideoCopy":281,"emailSignupCopy":282,"readArticleCopy":278,"nextPostHeaderTag":283,"emailSignUpCtaText":284,"recommendationCopy":285,"emailSignUpSuccessTitle":286,"extraContainerClassName":12,"recommendationHeaderTag":283,"nextPostHeaderStyleLevel":287,"emailSignUpSuccessMessage":288,"recommendationHeaderStyleLevel":287},"Read the article","Up next","\u003Cp class=\"copy copy--is-font-secondary\">Assessing your financial situation and determining if life insurance would benefit you is an important part of \u003Ca href=\"\u002Fretirement-guide\u002Ffinancial-planning-for-seniors\u002Festate-planning-for-seniors\" target=\"_blank\" class=\"link has-text-holiday-content-hub-financial-planning link--is-font-secondary\">estate planning\u003C\u002Fa>, but choosing the right policy for your situation can be a challenge. It can be even more difficult for older adults who may not qualify for certain policies based on age or required medical exams.\u003C\u002Fp>\n\u003Cbr>\n\u003Cp class=\"copy copy--is-font-secondary\">This blog will look at the different life insurance policies for seniors and dig into why certain policies are a better fit than others for older adults.\u003C\u002Fp>\n\u003Cbr>\n\u003Cbr>\n\u003Ch2 class=\"heading heading--is-level-2 spacing--is-mb-xsmall\">Which is better for seniors, whole life or term life insurance?\u003C\u002Fh2>\n\u003Cbr>\n\u003Cp class=\"copy copy--is-font-secondary\">Because many whole life insurance plans have age limits and higher premiums for older adults, finding the best whole life insurance for seniors can be a challenge. While term life policies are more flexible, those with a longer term may still have age caps. That’s why the best life insurance option for older adults may be a short-term policy, such as a 10-year plan, or a final expense whole life policy, which keeps rates low by offering a smaller benefit.\u003C\u002Fp>\n\u003Cbr>\n\u003Cp class=\"copy copy--is-font-secondary\">In some cases, you may find that life insurance isn’t worth the investment at all. Though AARP offers life insurance for seniors, even they mention that \u003Ca href=\"https:\u002F\u002Fwww.aarp.org\u002Fretirement\u002Fplanning-for-retirement\u002Finfo-2021\u002Finsurance-you-do-not-need.html\" class=\"link has-text-holiday-content-hub-financial-planning link--is-font-secondary\">life insurance doesn’t always make sense for older adults\u003C\u002Fa>. “If you have debt, and your spouse and others depend on you,” AARP notes, “then [life insurance] may be a good choice. It may not be if you have little or no debt and your retirement assets are substantial.”\u003C\u002Fp>\n\u003Cbr>\n\u003Cbr>\n\u003Ch3 class=\"heading heading--is-level-2 spacing--is-mb-xsmall\">How much life insurance should a senior get?\u003C\u002Fh3>\n\u003Cbr>\n\u003Cp class=\"copy copy--is-font-secondary\">A common approach to calculating life insurance coverage is determining how much assistance your dependents will need and how long they’ll need it. Older adults who don’t have young children might be more concerned with how to spare surviving family members from taking on their outstanding debts, such as a mortgage, credit card liability or medical bills. For this situation, \u003Ca href=\"https:\u002F\u002Fwww.forbes.com\u002Fadvisor\u002Flife-insurance\u002Fhow-much-life-insurance-do-you-really-need\" class=\"link has-text-holiday-content-hub-financial-planning link--is-font-secondary\">Forbes recommends a simple equation\u003C\u002Fa>:\u003C\u002Fp>\n\u003Cbr>\n\u003Cp class=\"copy copy--is-font-secondary\">Financial obligations you’d like to cover – minus your available assets – equals your coverage needed.\u003C\u002Fp>\n\u003Cbr>\n\u003Cp class=\"copy copy--is-font-secondary\">Depending on your personal situation, you might use one or both of these methods to calculate the best coverage for you.\u003C\u002Fp>\n\u003Cbr>\n\u003Cbr>\n\u003Ch2 class=\"heading heading--is-level-2 spacing--is-mb-xsmall\">Life insurance options for seniors\u003C\u002Fh2>\n\u003Cbr>\n\u003Cp class=\"copy copy--is-font-secondary\">There are two things you can do to help determine which plan makes the most sense for your situation. The first is to have a clear idea of why you’re seeking a plan – whether it’s to protect family from debt, cover funeral costs or provide a legacy. The second is to understand the limitations of different life insurance options as well as what they offer. Fortunately, we’re about to cover many of the options you’ll encounter if you’re shopping for plans.\u003C\u002Fp>\n\u003Cbr>\n\u003Cbr>\n\u003Ch3 class=\"heading heading--is-level-2 spacing--is-mb-xsmall\">Permanent life insurance\u003C\u002Fh3>\n\u003Cbr>\n\u003Cp class=\"copy copy--is-font-secondary\">Permanent life insurance, frequently used interchangeably with whole life insurance, lasts your entire life and comes with a savings account in which you can:\u003C\u002Fp>\n\u003Cbr>\n\u003Cul class=\"bullet-list\">\n \t\u003Cli class=\"copy copy--is-font-secondary\">Borrow against\u003C\u002Fli>\n \t\u003Cli class=\"copy copy--is-font-secondary\">Reinvest in the policy to increase the death benefit\u003C\u002Fli>\n \t\u003Cli class=\"copy copy--is-font-secondary\">Use to cover premiums if you have a sudden change in your financial situation\u003C\u002Fli>\n\u003C\u002Ful>\n\u003Cbr>\n\u003Cp class=\"copy copy--is-font-secondary\">These benefits, along with higher death benefits and the fact that you have to pay premiums for the entire life of the policy, mean permanent policies cost more than term life policies.\u003C\u002Fp>\n\u003Cbr>\n\u003Cp class=\"copy copy--is-font-secondary\">While there is no universal age limit for permanent policies, they are commonly capped between 70 and 85 years of age and premiums increase based on the age of the policyholder.\u003C\u002Fp>\n\u003Cbr>\n\u003Cp class=\"copy copy--is-font-secondary\">That said, not all policies are created equal. Below are some types of permanent life insurance policies you may encounter.\u003C\u002Fp>\n\u003Cbr>\n\u003Cbr>\n\u003Ch4 class=\"heading heading--is-level-2 spacing--is-mb-xsmall\">Whole life\u003C\u002Fh4>\n\u003Cp class=\"copy copy--is-font-secondary\">Whole, or ordinary life insurance, is the most common type of permanent life policy. A policyholder pays a consistent monthly premium for a predetermined death benefit and a savings account that is funded by company-paid dividends.\u003C\u002Fp>\n\u003Cbr>\n\u003Cbr>\n\u003Ch4 class=\"heading heading--is-level-2 spacing--is-mb-xsmall\">Universal life\u003C\u002Fh4>\n\u003Cp class=\"copy copy--is-font-secondary\">Universal life plans offer slightly more flexibility than a whole life policy. Passing a medical exam could increase your death benefit, and you may be able to alter your premium payments if your plan savings account has adequate funds to cover the difference.\u003C\u002Fp>\n\u003Cbr>\n\u003Cbr>\n\u003Ch4 class=\"heading heading--is-level-2 spacing--is-mb-xsmall\">Variable life\u003C\u002Fh4>\n\u003Cbr>\n\u003Cp class=\"copy copy--is-font-secondary\">With a variable life policy, your savings account can be invested in stocks, bonds and money market mutual funds. As with any portfolio, you’ll need to consider the risks and possible rewards of these investments. Some – but not all policies guarantee that your death benefit will be maintained, even if your investments do poorly.\u003C\u002Fp>\n\u003Cbr>\n\u003Cbr>\n\u003Ch4 class=\"heading heading--is-level-2 spacing--is-mb-xsmall\">Variable universal life\u003C\u002Fh4>\n\u003Cbr>\n\u003Cp class=\"copy copy--is-font-secondary\">A variable universal life plan combines the flexible premiums and death benefit of a universal policy with the increased risk and reward that comes with a variable policy.\u003C\u002Fp>\n\u003Cbr>\n\u003Cbr>\n\u003Ch3 class=\"heading heading--is-level-2 spacing--is-mb-xsmall\">Term life insurance for seniors\u003C\u002Fh3>\n\u003Cbr>\n\u003Cp class=\"copy copy--is-font-secondary\">Term life insurance plans are the most affordable because they’re only active for a set period – either 10, 15, 20 or 30 years. Premiums for these plans – like permanent plans – are based on age and plan duration. That means longer policies and plans purchased later in life have higher premiums because they include the increased health risks associated with aging.\u003C\u002Fp>\n\u003Cbr>\n\u003Cp class=\"copy copy--is-font-secondary\">People typically choose a term life insurance plan because it’s a more accessible way to cover a specific life event or purchase. For example, young families may want a 30-year policy that will ensure their children are financially protected through college, while someone who is paying off a short-term debt could choose a shorter time frame.\u003C\u002Fp>\n\u003Cbr>\n\u003Cp class=\"copy copy--is-font-secondary\">Older adults may find that \u003Ca href=\"https:\u002F\u002Fwww.nerdwallet.com\u002Farticle\u002Finsurance\u002Faverage-life-insurance-rates\" class=\"link has-text-holiday-content-hub-financial-planning link--is-font-secondary\">longer terms are more difficult to qualify for or afford\u003C\u002Fa>. For example, according to NerdWallet, the most common term policy lasts 20 years and comes with $500,000 in coverage. That policy would cost a 30-year-old woman $189 per year, but would cost $8,235 per year for a 70-year-old woman. However, premium rates remain consistent, so the 30-year-old woman will still be paying the same rate when the plan expires 20 years later.\u003C\u002Fp>\n\u003Cbr>\n\u003Cbr>\n\u003Ch3 class=\"heading heading--is-level-2 spacing--is-mb-xsmall\">Final expense insurance for seniors\u003C\u002Fh3>\n\u003Cbr>\n\u003Cp class=\"copy copy--is-font-secondary\">\u003Ca href=\"https:\u002F\u002Fwww.investopedia.com\u002Ffinal-expense-insurance-4801018\" class=\"link has-text-holiday-content-hub-financial-planning link--is-font-secondary\">Final expense insurance\u003C\u002Fa> is a form of whole life insurance for seniors that also builds a cash value over time. The main difference is that final expense plans offer a smaller death benefit (typically $2,000 to $35,000) to keep premiums low, while more traditional permanent life policies offer benefits of $100,000 or more.\u003C\u002Fp>\n\u003Cbr>\n\u003Cp class=\"copy copy--is-font-secondary\">Because it’s relatively easy to qualify for – there are no medical exams, and it’s typically available until age 85 – this type of policy is an appealing option for older adults who want to protect family from end-of-life expenses, such as funeral or medical bills.\u003C\u002Fp>\n\u003Cbr>\n\u003Cbr>\n\u003Ch3 class=\"heading heading--is-level-2 spacing--is-mb-xsmall\">Guaranteed life insurance for seniors\u003C\u002Fh3>\n\u003Cbr>\n\u003Cp class=\"copy copy--is-font-secondary\">Guaranteed final expense insurance is slightly different than the policy described above.\u003C\u002Fp>\n\u003Cbr>\n\u003Cp class=\"copy copy--is-font-secondary\">Though it’s easier to qualify for, guaranteed issue life insurance comes with a two- or three-year waiting period before the full benefit will be paid. If the policyholder dies during the waiting period, the insurance company pays back the premiums with interest instead of the benefit.\u003C\u002Fp>\n\u003Cbr>\n\u003Cp class=\"copy copy--is-font-secondary\">Applicants with serious medical issues who cannot qualify for another type of coverage may opt for this type of policy.\u003C\u002Fp>\n\u003Cbr>\n\u003Cbr>\n\u003Ch2 class=\"heading heading--is-level-2 spacing--is-mb-xsmall\">Protecting seniors from insurance fraud\u003C\u002Fh2>\n\u003Cbr>\n\u003Cp class=\"copy copy--is-font-secondary\">When it comes to navigating senior life insurance, choosing a policy isn’t the only challenge.\u003C\u002Fp>\n\u003Cbr>\n\u003Cp class=\"copy copy--is-font-secondary\">Insurance fraud is real, and it doesn’t just refer to criminals stealing from massive insurance companies. According to ConsumerAffairs, more than 3.5 million \u003Ca href=\"https:\u002F\u002Fwww.consumeraffairs.com\u002Ffinance\u002Felderly-financial-scam-statistics.html#:~:text=Updated%2002%2F17%2F2022&text=Older%20people%20are%20swindled%20out,an%20average%20loss%20of%20%2434%2C200.\" class=\"link has-text-holiday-content-hub-financial-planning link--is-font-secondary\">seniors fall prey to financial exploitation\u003C\u002Fa> each year, with an average loss of $34,200.\u003C\u002Fp>\n\u003Cbr>\n\u003Cp class=\"copy copy--is-font-secondary\">Learning what to look for can be key in protecting yourself from financial scams.\u003C\u002Fp>\n\u003Cbr>\n\u003Cbr>\n\u003Ch3 class=\"heading heading--is-level-2 spacing--is-mb-xsmall\">Agents and life insurance fraud\u003C\u002Fh3>\n\u003Cbr>\n\u003Cp class=\"copy copy--is-font-secondary\">One of the most common scams is called premium diversion, which is when unethical agents keep their clients’ premium payments. Agents have also been caught “fee churning” or convincing clients to change policies so they can get a commission – and while the new plan may be more expensive, it may not provide additional benefit.\u003C\u002Fp>\n\u003Cbr>\n\u003Cp class=\"copy copy--is-font-secondary\">Finally, one of the most troubling scams is when a dishonest agent forges a client signature to assign themselves as the beneficiary on the client’s policy.\u003C\u002Fp>\n\u003Cbr>\n\u003Cp class=\"copy copy--is-font-secondary\">To avoid scams like these, verify that your agent is licensed by contacting your state department of insurance, and if you pay by check, pay the insurance company directly, rather than an agent.\u003C\u002Fp>\n\u003Cbr>\n\u003Cbr>\n\u003Ch3 class=\"heading heading--is-level-2 spacing--is-mb-xsmall\">Other scams to watch out for\u003C\u002Fh3>\n\u003Cbr>\n\u003Cp class=\"copy copy--is-font-secondary\">While the scams mentioned above are distressing, fraud isn’t limited to agents.\u003C\u002Fp>\n\u003Cbr>\n\u003Cp class=\"copy copy--is-font-secondary\">Ghost brokers are people who pose as agents to sell fake life insurance for seniors. They may also:\u003C\u002Fp>\n\u003Cbr>\n\u003Cul class=\"bullet-list\">\n\u003Cli class=\"copy copy--is-font-secondary\">Advertise fake, cheap policies on platforms like Facebook\u003C\u002Fli>\n\u003Cli class=\"copy copy--is-font-secondary\">Contact you to report an “issue” with your policy to gather sensitive information, such as a Social Security number\u003C\u002Fli>\n\u003Cli class=\"copy copy--is-font-secondary\">Call to say that you are the beneficiary of a life insurance plan but, due to a few missed premiums on the policy, you’ll need to pay them to get the benefit\u003C\u002Fli>\n\u003C\u002Ful>\n\u003Cbr>\n\u003Cp class=\"copy copy--is-font-secondary\">Forbes notes that the best way to \u003Ca href=\"https:\u002F\u002Fwww.forbes.com\u002Fadvisor\u002Flife-insurance\u002Flife-insurance-fraud\u002F\" class=\"link has-text-holiday-content-hub-financial-planning link--is-font-secondary\">protect yourself from insurance scams\u003C\u002Fa> is to only work with licensed agents and to review your policy annually to make sure nothing has been changed without your authorization.\u003C\u002Fp>\n\u003Cbr>\n\u003Cbr>\n\u003Ch2 class=\"heading heading--is-level-2 spacing--is-mb-xsmall\">The right coverage is up to you.\u003C\u002Fh2>\n\u003Cbr>\n\u003Cp class=\"copy copy--is-font-secondary\">There may not be a trustworthy and inexpensive life insurance plan for seniors out there, but that doesn’t mean there aren’t smart and affordable options. When it comes to choosing whether or not you need life insurance and what type to get, it all comes down to your personal situation and retirement plan. Speaking to your financial advisor is the best way to assess your specific needs and the available options.\u003C\u002Fp>\n\u003Cbr>\n\u003Cp class=\"copy copy--is-font-secondary\">Keep reading the blog to learn more about working with a financial advisor and \u003Ca href=\"\u002Fretirement-guide\u002Ffinancial-planning-for-seniors\u002Ffinancial-planning-for-retirement\" class=\"link has-text-holiday-content-hub-financial-planning link--is-font-secondary\">developing a financial plan for retirement\u003C\u002Fa>.\u003C\u002Fp>\n\u003Cbr>","Watch the video","Want to learn more about life at Holiday?","h2","Sign Up","You might also like","Thank you for subscribing!","2","You'll receive an email shortly. You can unsubscribe anytime.",{"componentName":290,"props":291},"ContentHubFeaturedContent",{"postId":292,"ctaLink":293,"ctaText":278,"topLine":121,"className":12,"bottomLine":121,"topPadding":121,"componentId":12,"bottomMargin":121,"allowMaxWidth":121,"bottomPadding":121,"hasImageOnLeft":230,"optionalCategory":294,"extraContainerClassName":12},"ae4e5590-c867-4ef0-81c0-edcfb9e00faf","\u002Fretirement-guide\u002Ffinancial-planning-for-seniors\u002F10-ways-seniors-can-prevent-identity-theft-and-other-internet-fraud","financial-planning",{"componentName":296,"props":297},"ContentHubArticleCardList",{"posts":298,"title":303,"isSmall":230,"postTag":12,"topLine":121,"category":12,"listType":304,"titleTag":283,"className":12,"topMargin":121,"bottomLine":121,"topPadding":121,"componentId":12,"signUpTitle":12,"specialCard":305,"bottomMargin":230,"facCardTitle":12,"allowMaxWidth":121,"bottomPadding":121,"signUpCtaText":12,"enableLoadMore":121,"facCardCtaLink":12,"facCardCtaText":12,"watchVideoCopy":281,"loadMoreCtaText":12,"readArticleCopy":278,"titleStyleLevel":233,"visiblePosts":306,"videoGalleryTitle":199,"articleCardLinkText":278,"signUpThankYouTitle":12,"signUpThankYouMessage":12,"extraContainerClassName":12},[299,300,301,302],"ed282157-69b7-469b-a240-995000d4d04e","8f6d7c7e-0d18-46a4-8f7e-8edd35a5dabf","75720ff8-b7cf-4086-8471-d9e99e48e08d","794029a5-ba2a-4309-80c9-441f7b23283d","Top Articles","selected","none",4,{"componentName":308,"props":309},"HolidayNavFooter",{"topLine":121,"className":12,"bottomLine":121,"keyMarkets":310,"topPadding":121,"componentId":12,"signUpTitle":339,"bottomMargin":230,"allowMaxWidth":121,"bottomPadding":121,"thankYouTitle":286,"keyMarketTitle":340,"signUpTitleTag":283,"thankYouMessage":288,"thankYouTitleTag":283,"keyMarketTitleTag":283,"signUpTitleStyleLevel":242,"extraContainerClassName":12,"thankYouTitleStyleLevel":242,"keyMarketTitleStyleLevel":287},[311,312,313,314,315,316,317,318,319,320,321,322,323,324,325,326,327,328,329,330,331,332,333,334,335,336,337,338],{"link":24,"text":25,"component":26},{"link":28,"text":29,"component":26},{"link":31,"text":32,"component":26},{"link":34,"text":35,"component":26},{"link":37,"text":38,"component":26},{"link":40,"text":41,"component":26},{"link":43,"text":44,"component":26},{"link":46,"text":47,"component":26},{"link":49,"text":50,"component":26},{"link":52,"text":53,"component":26},{"link":55,"text":56,"component":26},{"link":58,"text":59,"component":26},{"link":61,"text":62,"component":26},{"link":64,"text":65,"component":26},{"link":67,"text":68,"component":26},{"link":73,"text":74,"component":26},{"link":76,"text":77,"component":26},{"link":79,"text":80,"component":26},{"link":82,"text":83,"component":26},{"link":85,"text":86,"component":26},{"link":88,"text":89,"component":26},{"link":91,"text":92,"component":26},{"link":94,"text":95,"component":26},{"link":97,"text":98,"component":26},{"link":100,"text":101,"component":26},{"link":103,"text":104,"component":26},{"link":106,"text":107,"component":26},{"link":112,"text":113,"component":26},"Get the Latest News from Holiday","There's a Holiday Retirement Community Near 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to Holiday by Atria's YouTube","SocialIconLink",{"icon":384,"link":385,"label":386,"component":382},"facebookAlt","https:\u002F\u002Fwww.facebook.com\u002FHolidaybyAtria\u002F","Link to Holiday by Atria's Facebook Page",{"icon":388,"link":389,"label":390,"component":382},"instagram","https:\u002F\u002Fwww.instagram.com\u002Fholidayseniorliving\u002F","Link to Holiday by Atria's Instagram page.",[392,393,394,395,397],{"link":213,"text":214,"component":26},{"link":207,"text":208,"component":26},{"link":210,"text":211,"component":26},{"link":219,"text":396,"component":26},"News & Media",{"link":216,"text":217,"component":26},{"id":399,"alt":116,"name":400,"focus":12,"title":116,"source":401,"filename":402,"copyright":12,"fieldtype":119,"meta_data":403,"content_type":404,"is_external_url":121,"description":400},799860,"Holiday Logo","https:\u002F\u002Fik.imagekit.io\u002Fzcfjs0rmjr\u002Ff\u002F1016293\u002F133x47\u002F0d36b752eb\u002Fbrand-logo-white.svg","https:\u002F\u002Fa-us.storyblok.com\u002Ff\u002F1016293\u002F133x47\u002F0d36b752eb\u002Fbrand-logo-white.svg",{"alt":116,"title":116,"source":12,"copyright":12},"svg",[406,409,412,415,418,421,424],{"link":407,"text":408,"component":26},"\u002Fterms-of-use","Terms of Use",{"link":410,"text":411,"component":26},"\u002Fprivacy-policy","Privacy Policy",{"link":413,"text":414,"component":26},"\u002Fatria-consumer-health-data-privacy-policy","Consumer Health Data Privacy Policy",{"link":416,"text":417,"component":26},"\u002Fcontact-policy","Contact Policy",{"link":419,"text":420,"component":26},"\u002Funsubscribe","Unsubscribe",{"link":422,"text":423,"component":26},"\u002Faccessibility","Accessibility",{"link":425,"text":426,"component":26},"\u002Faccommodations","Accommodations","If you are vision-impaired or have another impairment and you wish to discuss potential accommodations related to using this website, please contact us at ","accessibility@atriaseniorliving.com",{"blurb":430,"title":7,"category":294,"thumbnail":431,"displayDate":437,"pageSubtype":438,"youTubeVideoId":12,"timeToReadInMinutes":440,"storyblokUUID":441},"Exploring senior life insurance: whole vs. term, coverage and safeguarding against fraud",{"id":432,"alt":433,"name":12,"focus":12,"title":12,"source":434,"filename":435,"copyright":12,"fieldtype":119,"meta_data":436,"is_external_url":121,"description":12},896000,"Senior review insurance options with an advisor","https:\u002F\u002Fik.imagekit.io\u002Fzcfjs0rmjr\u002Ff\u002F1018269\u002F1920x1080\u002F77d37c5bfb\u002Finsurance-options_16x9.jpg","https:\u002F\u002Fa-us.storyblok.com\u002Ff\u002F1018269\u002F1920x1080\u002F77d37c5bfb\u002Finsurance-options_16x9.jpg",{"alt":433,"title":12,"source":12,"copyright":12},"2022-12-14 11:50",[439],"content-hub","7 min read","124734ab-dc98-4a57-9e7f-fdaf65453249",[443,447,451,455,459,463,467,471,475,479,483,487,491,495,499,502,505,508,511,514,518,521,524,527,530,533,536,540,543,546,550,553,556,559,562,565,568,571,574,577,580,583,586,590,593,597],{"id":444,"name":445,"value":446,"dimension_value":227},240775,"pricingCopy","Pricing starts at",{"id":448,"name":449,"value":450,"dimension_value":227},240778,"quickLookCtaLocation","#ScheduleMyTour",{"id":452,"name":453,"value":454,"dimension_value":227},240779,"quickLookNoPriceCopy","Ask about availability",{"id":456,"name":457,"value":458,"dimension_value":227},240780,"quickLookApartmentsTitle","Senior Apartments Availability and Pricing",{"id":460,"name":461,"value":462,"dimension_value":227},240781,"quickLookAmenitiesTitle","Amenities",{"id":464,"name":465,"value":466,"dimension_value":227},240782,"quickLookAmenitiesCopy","Holiday offers a flexible lease with all-inclusive senior living amenities.",{"id":468,"name":469,"value":470,"dimension_value":227},240783,"quickLookServicesTitle","Services",{"id":472,"name":473,"value":474,"dimension_value":227},240784,"quickLookServicesCopy","Enjoy a range of services designed to make life easier.",{"id":476,"name":477,"value":478,"dimension_value":227},240785,"quickLookApartmentsCopy","Choose from a selection of private senior residences.",{"id":480,"name":481,"value":482,"dimension_value":227},240786,"quickLookApartmentsCtaText","View all on community website",{"id":484,"name":485,"value":486,"dimension_value":227},240787,"quickLookApartmentCardCtaText","Schedule a Tour",{"id":488,"name":489,"value":490,"dimension_value":227},240788,"quickLookViewCommunityCtaText","View Community",{"id":492,"name":493,"value":494,"dimension_value":227},240789,"quickLookShareCommunityCtaText","Share this 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