{"id":22562,"date":"2025-04-16T16:29:55","date_gmt":"2025-04-16T16:29:55","guid":{"rendered":"https:\/\/www.tun.com\/home\/?p=22562"},"modified":"2025-04-16T16:29:56","modified_gmt":"2025-04-16T16:29:56","slug":"new-study-sheds-light-on-the-best-life-insurance-strategy-for-financial-security","status":"publish","type":"post","link":"https:\/\/www.tun.com\/home\/new-study-sheds-light-on-the-best-life-insurance-strategy-for-financial-security\/","title":{"rendered":"New Study Sheds Light on the Best Life Insurance Strategy for Financial Security"},"content":{"rendered":"\n<div class=\"wp-block-group\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-uagb-blockquote uagb-block-e7eb3fc3 uagb-blockquote__skin-border uagb-blockquote__stack-img-none\"><blockquote class=\"uagb-blockquote\"><div class=\"uagb-blockquote__content\">A study by researchers at The Ohio State University suggests that a combination of term and permanent life insurance could offer households the best financial protection in the event of a primary income earner\u2019s death. The findings underscore the importance of adequate life insurance coverage, as over half of the surveyed households were found to be unprepared for an unexpected loss of income.<\/div><footer><div class=\"uagb-blockquote__author-wrap uagb-blockquote__author-at-left\"><\/div><\/footer><\/blockquote><\/div>\n\n\n\n<div class=\"wp-block-group is-content-justification-space-between is-nowrap is-layout-flex wp-container-core-group-is-layout-b0ffac9c wp-block-group-is-layout-flex\"><div style=\"font-size:16px\" class=\"has-text-align-left wp-block-post-author\"><div class=\"wp-block-post-author__content\"><p class=\"wp-block-post-author__name\">The University Network<\/p><\/div><\/div>\n\n\n<div class=\"wp-block-uagb-social-share uagb-social-share__outer-wrap uagb-social-share__layout-horizontal uagb-block-ee584a31\">\n<div class=\"wp-block-uagb-social-share-child uagb-ss-repeater uagb-ss__wrapper uagb-block-ec619ce7\"><span class=\"uagb-ss__link\" data-href=\"https:\/\/www.facebook.com\/sharer.php?u=\" tabindex=\"0\" role=\"button\" aria-label=\"facebook\"><span class=\"uagb-ss__source-wrap\"><span class=\"uagb-ss__source-icon\"><svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 512 512\"><path d=\"M504 256C504 119 393 8 256 8S8 119 8 256c0 123.8 90.69 226.4 209.3 245V327.7h-63V256h63v-54.64c0-62.15 37-96.48 93.67-96.48 27.14 0 55.52 4.84 55.52 4.84v61h-31.28c-30.8 0-40.41 19.12-40.41 38.73V256h68.78l-11 71.69h-57.78V501C413.3 482.4 504 379.8 504 256z\"><\/path><\/svg><\/span><\/span><\/span><\/div>\n\n\n\n<div class=\"wp-block-uagb-social-share-child uagb-ss-repeater uagb-ss__wrapper uagb-block-32d99934\"><span class=\"uagb-ss__link\" data-href=\"https:\/\/twitter.com\/share?url=\" tabindex=\"0\" role=\"button\" aria-label=\"twitter\"><span class=\"uagb-ss__source-wrap\"><span class=\"uagb-ss__source-icon\"><svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 512 512\"><path d=\"M389.2 48h70.6L305.6 224.2 487 464H345L233.7 318.6 106.5 464H35.8L200.7 275.5 26.8 48H172.4L272.9 180.9 389.2 48zM364.4 421.8h39.1L151.1 88h-42L364.4 421.8z\"><\/path><\/svg><\/span><\/span><\/span><\/div>\n\n\n\n<div class=\"wp-block-uagb-social-share-child uagb-ss-repeater uagb-ss__wrapper uagb-block-1d136f14\"><span class=\"uagb-ss__link\" data-href=\"https:\/\/www.linkedin.com\/shareArticle?url=\" tabindex=\"0\" role=\"button\" aria-label=\"linkedin\"><span class=\"uagb-ss__source-wrap\"><span class=\"uagb-ss__source-icon\"><svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\"><path d=\"M416 32H31.9C14.3 32 0 46.5 0 64.3v383.4C0 465.5 14.3 480 31.9 480H416c17.6 0 32-14.5 32-32.3V64.3c0-17.8-14.4-32.3-32-32.3zM135.4 416H69V202.2h66.5V416zm-33.2-243c-21.3 0-38.5-17.3-38.5-38.5S80.9 96 102.2 96c21.2 0 38.5 17.3 38.5 38.5 0 21.3-17.2 38.5-38.5 38.5zm282.1 243h-66.4V312c0-24.8-.5-56.7-34.5-56.7-34.6 0-39.9 27-39.9 54.9V416h-66.4V202.2h63.7v29.2h.9c8.9-16.8 30.6-34.5 62.9-34.5 67.2 0 79.7 44.3 79.7 101.9V416z\"><\/path><\/svg><\/span><\/span><\/span><\/div>\n<\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">A new study from The Ohio State University provides much-needed clarity on a frequently asked question in the realm of personal finance: Is term or permanent life insurance the better option?<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">While the researchers did not directly compare the two types of insurance, their analysis revealed that households holding both types were the most financially prepared to handle the loss of an income earner when compared to those without any insurance.<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">\u201cThere\u2019s a lot of debate in the financial adviser community on whether permanent life insurance or term life insurance is the best tool to protect consumers,\u201d co-author Eric Olsen, a doctoral candidate in family resource management at Ohio State at the time of the research, said in a news release. \u201cOur study suggests having both of them might be ideal for many people.\u201d<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">The study, <a href=\"https:\/\/news.osu.edu\/term-or-permanent-life-insurance-a-new-study-offers-guidance\/\" target=\"_blank\" rel=\"noopener\" title=\"\">published<\/a> in the Financial Planning Revie*, highlights the value of having a mixed insurance portfolio. <\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">According to co-author C\u00e4zilia Loibl, a professor of consumer sciences at Ohio State, each type of life insurance serves unique purposes and can complement one another effectively. <\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">\u201cThe discussion is often one versus the other, but they have some different purposes and can work well together,\u201d Loibl said in the news release.<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">One alarming discovery was that 56% of the surveyed households lacked adequate financial resources \u2014 from insurance or other assets \u2014 to manage the financial blow of losing an income earner. <\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">\u201cWe need to examine how we can motivate families to build the resources they need to protect themselves in case of the death of an income earner,\u201d Olsen added. \u201cWay too many people aren\u2019t prepared.\u201d<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">The research, spearheaded by Youngwon Nam, a former doctoral student at Ohio State and now an associate professor at Seoul National University, used data from the 2022 Survey of Consumer Finances conducted by the Federal Reserve Board. The sample included 1,818 multi-person households with at least one full-time employed member. Of these, 54% had term life insurance, 8% had permanent life insurance and 10% had both.<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Term life insurance, typically more affordable, covers individuals for a predetermined period, while permanent life insurance \u2014 encompassing whole life, universal life and variable life \u2014 offers lifelong coverage and includes an investment component.<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">To gauge financial preparedness, the researchers evaluated three types of financial adequacy:&nbsp;<\/span><\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><span style=\"font-weight: 400;\"><strong>Life Insurance Adequacy:<\/strong> Could life insurance payouts alone replace lost income?<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\"><strong>Net Financial Assets Adequacy: <\/strong>Could a combination of savings, stocks, retirement accounts and life insurance payouts replace income?<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\"><strong>Net Worth Adequacy:<\/strong> Could the sum of financial and non-financial assets, minus liabilities, along with life insurance payouts replace income?<\/span><\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">The study found that in households possessing both term and permanent life insurance, the likelihood of financial adequacy was 5.58 times higher compared to those without any life insurance. Households with only term life insurance had a 3.95 times higher likelihood of financial readiness, and those with only permanent life insurance had a 3.01 times higher chance.<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">The patterns remained consistent across the different measures of financial adequacy examined by the researchers. <\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Loibl stressed that ensuring ample life insurance coverage is crucial since a large majority of people are under-insured. <\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">\u201cWhat kind of life insurance you have does matter in the long-term and people need to determine what is best for their situation,\u201d she added.<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">These insights prove invaluable for individuals seeking to make informed decisions about life insurance, advocating for a combined strategy to optimize financial security for their households.<\/span><\/p>\n\n\n\n<div style=\"height:13px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Source:<\/strong> <a href=\"https:\/\/news.osu.edu\/term-or-permanent-life-insurance-a-new-study-offers-guidance\/\" target=\"_blank\" rel=\"noopener\" title=\"\">The Ohio State University<\/a><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>A new study from The Ohio State University provides much-needed clarity on a frequently asked question in the realm of personal finance: Is term or permanent life insurance the better option? While the researchers did not directly compare the two types of insurance, their analysis revealed that households holding both types were the most financially [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"single-no-separators","format":"standard","meta":{"_acf_changed":false,"_uag_custom_page_level_css":"","_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[23],"tags":[57],"class_list":["post-22562","post","type-post","status-publish","format-standard","hentry","category-people-culture","tag-ohio-state-university"],"acf":[],"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- All in One SEO 4.9.8 - aioseo.com -->\n\t<meta name=\"description\" content=\"Study reveals that combining term and permanent life insurance provides the best financial security for households dealing with the loss of an income earner.\" \/>\n\t<meta name=\"robots\" content=\"max-image-preview:large\" \/>\n\t<meta name=\"author\" content=\"The University Network\"\/>\n\t<link rel=\"canonical\" href=\"https:\/\/www.tun.com\/home\/new-study-sheds-light-on-the-best-life-insurance-strategy-for-financial-security\/\" \/>\n\t<meta name=\"generator\" content=\"All in One SEO (AIOSEO) 4.9.8\" \/>\n\t\t<meta property=\"og:locale\" content=\"en_US\" \/>\n\t\t<meta property=\"og:site_name\" content=\"TUN - 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While the researchers did not directly compare the two types of insurance, their analysis revealed that households holding both types were the most financially&hellip;","_links":{"self":[{"href":"https:\/\/www.tun.com\/home\/wp-json\/wp\/v2\/posts\/22562","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.tun.com\/home\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.tun.com\/home\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.tun.com\/home\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/www.tun.com\/home\/wp-json\/wp\/v2\/comments?post=22562"}],"version-history":[{"count":11,"href":"https:\/\/www.tun.com\/home\/wp-json\/wp\/v2\/posts\/22562\/revisions"}],"predecessor-version":[{"id":22580,"href":"https:\/\/www.tun.com\/home\/wp-json\/wp\/v2\/posts\/22562\/revisions\/22580"}],"wp:attachment":[{"href":"https:\/\/www.tun.com\/home\/wp-json\/wp\/v2\/media?parent=22562"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.tun.com\/home\/wp-json\/wp\/v2\/categories?post=22562"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.tun.com\/home\/wp-json\/wp\/v2\/tags?post=22562"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}