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  • Home
  • Quotes
    • Instant Term Life Quote
    • Term Life Insurance Quote Request
    • Final Expense Insurance Quote Request
    • Disability Insurance Quote Request
    • Annuity Quote Request
    • Income Replacement Calculator
    • Agent Quote Request
  • Insurance
    • Life Insurance
    • Disability Insurance
    • Annuities
    • Final Expense Insurance
  • Service
    • Policy Changes
    • Update Contact Info
    • Policy Review
    • Free Consultation
  • About
    • Client Reviews
    • Insurance Carriers
    • Refer a Friend
    • Newsletter Signup
  • FAQ
    • 14 Ways To Save Money On Your Life Insurance
    • What is Life Insurance Laddering?
    • What Is Term Life Insurance?
    • What Is Permanent Life Insurance?
    • What Is Key Person Life Insurance?
    • How Do I Apply For Life Insurance?
  • Contact Us
  • Life Insurance for Foreign Nationals and Visa Holders

What is Life Insurance Laddering

​Laddering Life Insurance Policies

Laddering is a financial planning concept that involves buying more than one life insurance policy so that they mature at different times. The concept helps you to purchase the right amount of protection when you need it most – matching the product to the need. It can be a cost-effective way of protecting yourself from being over insured or under insured as your financial assets and responsibilities change over time.

Match The Product To The Need​

When clients inquire about what type of life insurance to buy my response is simply "match the product to the need.”  This may include a portion of life insurance in some form of permanent life insurance.

What are some examples of matching the product to the need?
  • Purchasing a 30-year level term policy to match your 30 year mortgage.
  • Purchasing a 10 or 15-year level term policy to fund college for your 15 year old child.
  • Buying a permanent policy to cover final expense, to make a gift to your favorite charity, pay estate taxes or help the grand kids.
  What is Term Life Insurance?
  What is Permanent Life Insurance? 
Saving Premium Today and Tomorrow

Laddering your life insurance may save you money two ways. Your Initial combined premium may be less because your portfolio includes policies of a shorter term   Also, the cumulative premium will be less because the cost of the shorter term policies will be eliminated when they expire.

Is Laddering Right For me?

Laddering is based on the concept that your need for life insurance will decrease over time. This may not be true for everyone. Remember, life insurance is purchased to protect against the unexpected.  Laddering and term life insurance are best suited for the disciplined investor who can save for long term goals. It may not be good for those who do not have a solid understanding of their future financial needs or lack the discipline for long term asset accumulation.
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Massachusetts, Michigan, Missouri, New Mexico, Oklahoma, Tennessee, Texas.

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The Life Agency
3010 LBJ FWY, FL 1200
Dallas, TX 75234
469-385-7733
800-276-0508
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