{"id":661,"date":"2023-01-06T18:20:20","date_gmt":"2023-01-06T23:20:20","guid":{"rendered":"https:\/\/blog.term-life-insurance.ca\/?p=661"},"modified":"2023-01-06T18:36:28","modified_gmt":"2023-01-06T23:36:28","slug":"biggest-myths-about-term-life-insurance-that-parents-need-to-know","status":"publish","type":"post","link":"https:\/\/term-life-insurance.ca\/blog\/biggest-myths-about-term-life-insurance-that-parents-need-to-know\/","title":{"rendered":"Biggest Myths About Term Life Insurance that Parents Need to Know"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"661\" class=\"elementor elementor-661\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-281e15c9 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"281e15c9\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-3c8c0fa8\" data-id=\"3c8c0fa8\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1881857 elementor-widget elementor-widget-text-editor\" data-id=\"1881857\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p data-pm-slice=\"1 1 []\"><strong>Parents know how important it is to make sure family is taken care of if something unfortunate happens. Protecting your family starts with making sure you have the proper life insurance policy. Unfortunately, there are many myths about term life insurance that can get in the way of getting the best coverage for your family\u2019s life insurance term needs.<\/strong><\/p><p><strong>In this article, we will go into detail on the biggest myths about term life insurance so you can make an informed decision on what type of insurance policy you need to protect your family.<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6631194 elementor-toc--minimized-on-tablet elementor-widget elementor-widget-table-of-contents\" data-id=\"6631194\" data-element_type=\"widget\" data-settings=\"{&quot;container&quot;:&quot;.elementor-text-editor.elementor-clearfix&quot;,&quot;exclude_headings_by_selector&quot;:&quot;#no-ToC&quot;,&quot;marker_view&quot;:&quot;bullets&quot;,&quot;icon&quot;:{&quot;value&quot;:&quot;fas fa-dot-circle&quot;,&quot;library&quot;:&quot;fa-solid&quot;},&quot;headings_by_tags&quot;:[&quot;h2&quot;,&quot;h3&quot;],&quot;minimize_box&quot;:&quot;yes&quot;,&quot;minimized_on&quot;:&quot;tablet&quot;,&quot;hierarchical_view&quot;:&quot;yes&quot;,&quot;min_height&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;min_height_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;min_height_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"table-of-contents.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-toc__header\">\n\t\t\t<h2 class=\"elementor-toc__header-title\">\n\t\t\t\tTable of Contents\t\t\t<\/h2>\n\t\t\t\t\t\t\t<div class=\"elementor-toc__toggle-button elementor-toc__toggle-button--expand\" role=\"button\" tabindex=\"0\" aria-controls=\"elementor-toc__6631194\" aria-expanded=\"true\" aria-label=\"Open table of contents\"><i aria-hidden=\"true\" class=\"fas fa-chevron-down\"><\/i><\/div>\n\t\t\t\t<div class=\"elementor-toc__toggle-button elementor-toc__toggle-button--collapse\" role=\"button\" tabindex=\"0\" aria-controls=\"elementor-toc__6631194\" aria-expanded=\"true\" aria-label=\"Close table of contents\"><i aria-hidden=\"true\" class=\"fas fa-chevron-up\"><\/i><\/div>\n\t\t\t\t\t<\/div>\n\t\t<div id=\"elementor-toc__6631194\" class=\"elementor-toc__body\">\n\t\t\t<div class=\"elementor-toc__spinner-container\">\n\t\t\t\t<i class=\"elementor-toc__spinner eicon-animation-spin eicon-loading\" aria-hidden=\"true\"><\/i>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5a9aade elementor-widget elementor-widget-text-editor\" data-id=\"5a9aade\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2 data-pm-slice=\"1 1 []\"><span style=\"color: inherit;font-family: inherit;font-size: 2rem\">What is Term Life Insurance?<\/span><\/h2>\n<p>Term life insurance is a type of life insurance policy that covers a specific period of time, or \u201cterm\u201d. If something were to happen to you within this specified period of time, your beneficiaries would receive a tax-free death benefit payout.<\/p>\n<p>It is typically the most affordable type of life insurance month-to-month. Moreover, it comes with a range of insurance benefits tailored to meet your life insurance needs.<\/p>\n<p><img fetchpriority=\"high\" decoding=\"async\" class=\"aligncenter size-full wp-image-673\" src=\"https:\/\/blog.term-life-insurance.ca\/wp-content\/uploads\/sites\/19\/2022\/12\/1.-iStock-1268727600.jpeg\" alt=\"A term policy gives financial protection to Canadian residents until the coverage expires after a set period.\" width=\"724\" height=\"483\" srcset=\"https:\/\/term-life-insurance.ca\/blog\/wp-content\/uploads\/sites\/19\/2022\/12\/1.-iStock-1268727600.jpeg 724w, https:\/\/term-life-insurance.ca\/blog\/wp-content\/uploads\/sites\/19\/2022\/12\/1.-iStock-1268727600-300x200.jpeg 300w\" sizes=\"(max-width: 724px) 100vw, 724px\" \/><\/p>\n<h3>Benefits of Term Life Insurance<\/h3>\n<p>One of the biggest benefits of term life insurance is that it offers affordable and flexible coverage.<\/p>\n<p>You can choose how long you want your insurance policy to cover you for \u2013 from just 5 years up to 100 \u2013 and you have the option to add additional coverage options such as <a href=\"https:\/\/blog.specialtylifeinsurance.ca\/does-a-family-history-of-cancer-mean-you-cant-get-critical-illness-insurance\/\" target=\"_blank\" rel=\"noopener\">critical illness<\/a> and <a href=\"https:\/\/blog.specialtylifeinsurance.ca\/infographic-accidental-death-and-dismemberment\/\" target=\"_blank\" rel=\"noopener\">accidental death and dismemberment<\/a> protection. This makes it much more affordable than other types of permanent life insurance policies.<\/p>\n<p>When you have young children at home, a term life insurance policy can provide financial security in case they need assistance with paying for college or university in the future.<\/p>\n<p>Another benefit of term life insurance is that you can use the death benefit from a properly structured term insurance policy for any purpose! Paying off debts, fund tuition fees or put money in investments are just some example. In short, your children will not have to worry about financing their education on their own.<\/p>\n<p>With the right term life insurance plan in place, they will be able to maintain their lifestyle if anything should happen to you during the insurance period.<\/p>\n<h2>Common Myths About Term Life Insurance Coverage<\/h2>\n<p>There are many misconceptions about term coverage that can lead people away from getting adequate insurance coverage for themselves and their families. Here are some common myths about term life insurance plans:<\/p>\n<h3>Myth #1: It\u2019s Expensive<\/h3>\n<p><img decoding=\"async\" class=\"aligncenter size-full wp-image-671\" src=\"https:\/\/blog.term-life-insurance.ca\/wp-content\/uploads\/sites\/19\/2022\/12\/2.-iStock-185268820.jpeg\" alt=\"Premiums paid for a term policy often have a more affordable price than other life insurance products.\" width=\"724\" height=\"483\" srcset=\"https:\/\/term-life-insurance.ca\/blog\/wp-content\/uploads\/sites\/19\/2022\/12\/2.-iStock-185268820.jpeg 724w, https:\/\/term-life-insurance.ca\/blog\/wp-content\/uploads\/sites\/19\/2022\/12\/2.-iStock-185268820-300x200.jpeg 300w\" sizes=\"(max-width: 724px) 100vw, 724px\" \/><\/p>\n<p>Many people believe that purchasing a good life insurance term policy will cost more than they can reasonably afford each month \u2013 but this is not always true!<\/p>\n<p>While some term insurance plans may have higher premiums than others \u2013 especially depending on age and health conditions \u2013 there are many term life insurance products that offer affordable life insurance coverage rates for quality coverage and peace of mind.<\/p>\n<ul>\n<li><strong>KEEP READING: <a href=\"https:\/\/blog.term-life-insurance.ca\/how-to-save-money-on-term-life-insurance\/\">How to Save Money on your Term Life Insurance<\/a><\/strong><\/li>\n<\/ul>\n<h3>Myth #2: It\u2019s Too Complicated<\/h3>\n<p><img decoding=\"async\" class=\"aligncenter size-full wp-image-669\" src=\"https:\/\/blog.term-life-insurance.ca\/wp-content\/uploads\/sites\/19\/2022\/12\/3.-iStock-1331989707.jpeg\" alt=\"The application process is very simple. You can get an online quote at home in minutes. No medical exam required.\" width=\"724\" height=\"483\" srcset=\"https:\/\/term-life-insurance.ca\/blog\/wp-content\/uploads\/sites\/19\/2022\/12\/3.-iStock-1331989707.jpeg 724w, https:\/\/term-life-insurance.ca\/blog\/wp-content\/uploads\/sites\/19\/2022\/12\/3.-iStock-1331989707-300x200.jpeg 300w\" sizes=\"(max-width: 724px) 100vw, 724px\" \/><\/p>\n<p>Some people find themselves scared off by all the paperwork involved in purchasing an insurance policy. However with a bit of research, it doesn\u2019t have to be difficult!<\/p>\n<p>There are plenty of online resources and helpful articles such as this one which provide all the information needed for understanding what type and how much coverage suits your needs best.<\/p>\n<ul>\n<li><strong>KEEP READING: <a href=\"https:\/\/blog.term-life-insurance.ca\/does-your-family-need-life-insurance-how-to-know\/\">Does your Family Need Life Insurance? How to Know.<\/a><\/strong><\/li>\n<\/ul>\n<h3>Myth #3: Other Types Of Life Insurance in Canada Are Better<\/h3>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-667\" src=\"https:\/\/blog.term-life-insurance.ca\/wp-content\/uploads\/sites\/19\/2022\/12\/4.-iStock-1351150315.jpeg\" alt=\"Keeping coverage to term lengths is a great way to save money on an insurance product. However if you need a longer term length, you can easily get more coverage.\" width=\"724\" height=\"483\" srcset=\"https:\/\/term-life-insurance.ca\/blog\/wp-content\/uploads\/sites\/19\/2022\/12\/4.-iStock-1351150315.jpeg 724w, https:\/\/term-life-insurance.ca\/blog\/wp-content\/uploads\/sites\/19\/2022\/12\/4.-iStock-1351150315-300x200.jpeg 300w\" sizes=\"(max-width: 724px) 100vw, 724px\" \/><\/p>\n<p>There are many different types of life insurance available (including permanent insurance). As such, many people mistakenly believe these types offer better protection than term policies. But this isn\u2019t necessarily true.<\/p>\n<p>Term policies offer flexible coverage options tailored specifically towards family needs at a competitive rate. Oftentimes this makes them better suited than other types of life insurance for parents looking for adequate protection without breaking the bank each month.<\/p>\n<h3>Myth #4: The Death Benefit Is Too Low<\/h3>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-665\" src=\"https:\/\/blog.term-life-insurance.ca\/wp-content\/uploads\/sites\/19\/2022\/12\/5.-iStock-1353379498.jpeg\" alt=\"The tax-free payout can be used for many different financial obligations such as, mortgage payments, funeral costs, and more.\" width=\"724\" height=\"483\" srcset=\"https:\/\/term-life-insurance.ca\/blog\/wp-content\/uploads\/sites\/19\/2022\/12\/5.-iStock-1353379498.jpeg 724w, https:\/\/term-life-insurance.ca\/blog\/wp-content\/uploads\/sites\/19\/2022\/12\/5.-iStock-1353379498-300x200.jpeg 300w\" sizes=\"(max-width: 724px) 100vw, 724px\" \/><\/p>\n<p>Some people mistakenly believe that the death benefit of term life insurance is too low to be of any real use.<\/p>\n<p>However, depending on your policy, the death benefit can range anywhere from $50,000 to $2 million. Plus it&#8217;s sent directly to your beneficiaries as a tax-free lump sum payment. With the right policy, it\u2019s easy to make sure your family stays financially secure.<\/p>\n<ul>\n<li><strong>KEEP READING: <a href=\"https:\/\/blog.term-life-insurance.ca\/insurance-for-parents-why-your-kids-need-you-protected\/\">Insurance for Parents: Why Your Kids Need You Protected<\/a><\/strong><\/li>\n<\/ul>\n<h3>Myth #5: My Employer-Provided Insurance Policy Is Enough<\/h3>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-663 size-full\" src=\"https:\/\/blog.term-life-insurance.ca\/wp-content\/uploads\/sites\/19\/2022\/12\/6.-iStock-676611012.jpeg\" alt=\"Employer plans are usually temporary coverage that won't financially protect your family if coverage ends because you lost your job.\" width=\"721\" height=\"485\" srcset=\"https:\/\/term-life-insurance.ca\/blog\/wp-content\/uploads\/sites\/19\/2022\/12\/6.-iStock-676611012.jpeg 721w, https:\/\/term-life-insurance.ca\/blog\/wp-content\/uploads\/sites\/19\/2022\/12\/6.-iStock-676611012-300x202.jpeg 300w\" sizes=\"(max-width: 721px) 100vw, 721px\" \/><\/p>\n<p>Remember that employer-provided insurance policies are usually limited in their coverage and duration. In other words, if you lose your job, you lose your coverage too.<\/p>\n<p>In addition, employer-provided plans are often one-size-fits-all&#8230;and life insurance coverage is often an afterthought. So chances are, while it may be enough for a single bachelor with no children, it may simply not be sufficient for someone with children or a stay-at-home partner.<\/p>\n<p>By having your own life insurance protection, you provide comprehensive protection for your family. No matter what happens to you, your family is safe.<\/p>\n<h2>Conclusion<\/h2>\n<p>Term life insurance policies provide invaluable protection for Canadian parents. They cover families no matter what happens during their specified term.<\/p>\n<p>These policies offer comprehensive term life insurance coverage at an affordable cost. Plus they have an array of flexible features catered towards individual life insurance needs. This makes them an ideal choice for many looking for reliable financial security!<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4f0d19b elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"4f0d19b\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a52b950 elementor-widget elementor-widget-text-editor\" data-id=\"a52b950\" data-element_type=\"widget\" id=\"no-ToC\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2>Find Your Perfect Policy in Minutes!<\/h2><p>It&#8217;s easy than ever for Canadian parents to find the perfect term life insurance policy for their families.<\/p><p>Click the button below to get started now. In just a few clicks, your family can have complete financial security should the worse happen.<\/p><p>\u00a0<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-39d3200 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"39d3200\" data-element_type=\"widget\" id=\"no-ToC\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-lg elementor-animation-grow\" href=\"https:\/\/term-life-insurance.ca\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">START NOW<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Parents know how important it is to make sure family is taken care of if something unfortunate happens. Protecting your family starts with making sure you have the proper life insurance policy. Unfortunately, there are many myths about term life insurance that can get in the way of getting the best coverage for your family\u2019s [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":675,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"rop_custom_images_group":[],"rop_custom_messages_group":[],"rop_publish_now":"initial","rop_publish_now_accounts":[],"rop_publish_now_history":[],"rop_publish_now_status":"pending","wp_social_preview_title":"","wp_social_preview_description":"","wp_social_preview_image":0,"footnotes":""},"categories":[39,43,41],"tags":[],"class_list":["post-661","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-life-insurance","category-how-to-save-money-on-life-insurance","category-term-life-insurance"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Biggest Myths 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