{"id":3571,"date":"2022-12-13T17:21:39","date_gmt":"2022-12-13T17:21:39","guid":{"rendered":"https:\/\/wp-dev.zanderins.com\/?p=3571"},"modified":"2025-04-03T22:21:51","modified_gmt":"2025-04-03T22:21:51","slug":"my-term-life-policy-expires-soon-but-i-still-need-coverage-what-do-i-do","status":"publish","type":"post","link":"https:\/\/wp.zanderins.com\/2022\/12\/13\/my-term-life-policy-expires-soon-but-i-still-need-coverage-what-do-i-do\/","title":{"rendered":"My Term Life Policy Expires Soon but I Still Need Coverage. What Do I Do?"},"content":{"rendered":"

\"\"<\/p>\n

If your current coverage amount is still right for you, but your policy is expiring soon, Dave Ramsey recommends getting a new policy now. This locks in lower rates and ensures you remain eligible for coverage before any health issues or other factors drive up costs.<\/p>\n

In some cases, you may be able to keep your existing policy and buy a smaller new policy if your financial situation has improved. If your mortgage is paid off, education expenses are covered, and you\u2019ve built up savings, your need for life insurance may be lower. In that case, keeping your current policy until it expires can help save money, while securing a smaller new policy<\/a> for any remaining needs.<\/p>\n

If you need more coverage than your current policy provides, or if you\u2019ll need coverage beyond the guaranteed period, it\u2019s best to buy a new policy now for the full amount you need. This helps you avoid higher costs in the future.<\/p>\n","protected":false},"excerpt":{"rendered":"

If your current coverage amount is still right for you, but your policy is expiring soon, Dave Ramsey recommends getting a new policy now. This locks in lower rates and ensures you remain eligible for coverage before any health issues or other factors drive up costs. In some cases, you may be able to keep […]<\/p>\n","protected":false},"author":5,"featured_media":3524,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[8],"tags":[],"class_list":["post-3571","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-term-life"],"better_featured_image":{"id":3524,"alt_text":"","caption":"","description":"","media_type":"image","media_details":{"width":740,"height":411,"file":"My-Term-Life-Policy-Expires-Soon-but-I-Still-Need-Coverage.-What-Do-I-Do.png","sizes":{"medium":{"file":"My-Term-Life-Policy-Expires-Soon-but-I-Still-Need-Coverage.-What-Do-I-Do-300x167.png","width":300,"height":167,"mime-type":"image\/png","filesize":78200,"source_url":"https:\/\/static.zanderins.com\/wp-content\/uploads\/2024\/11\/27181632\/My-Term-Life-Policy-Expires-Soon-but-I-Still-Need-Coverage.-What-Do-I-Do-300x167.png"},"thumbnail":{"file":"My-Term-Life-Policy-Expires-Soon-but-I-Still-Need-Coverage.-What-Do-I-Do-150x150.png","width":150,"height":150,"mime-type":"image\/png","filesize":36970,"source_url":"https:\/\/static.zanderins.com\/wp-content\/uploads\/2024\/11\/27181632\/My-Term-Life-Policy-Expires-Soon-but-I-Still-Need-Coverage.-What-Do-I-Do-150x150.png"}},"image_meta":{"aperture":"0","credit":"","camera":"","caption":"","created_timestamp":"0","copyright":"","focal_length":"0","iso":"0","shutter_speed":"0","title":"","orientation":"0","keywords":[]}},"post":3517,"source_url":"https:\/\/static.zanderins.com\/wp-content\/uploads\/2024\/11\/27181632\/My-Term-Life-Policy-Expires-Soon-but-I-Still-Need-Coverage.-What-Do-I-Do.png"},"acf":[],"yoast_head":"\nMy Term Life Policy Expires Soon but I Still Need Coverage. 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