Top 5 Life Insurance Questions Women Are Googling — Answered by a Licensed Expert
Let’s face it: life insurance can feel overwhelming. With so many options (and opinions), it’s easy to feel confused, delayed, or even avoid making a decision.
But that decision could be one of the most important financial moves you make.
To make it easier, I’ve pulled the actual questions women are Googling about life insurance in 2025 — and I’m answering them honestly, clearly, and with your future in mind.
Let’s get into it.
1. How much does a $100,000 life insurance policy cost per month?
The answer: probably less than you think.
A healthy 30-year-old woman can often get a $100,000 term life insurance policy for $10 to $15/month.
The actual price depends on factors like:
Age
Health
Smoker vs non-smoker
Policy type (term vs permanent)
Pro tip: The younger and healthier you are, the cheaper your premium will be. Locking in coverage early can save you thousands over the life of the policy.
Need a custom quote? Book a free Secure Her Future call.
2. What are the 3 main types of life insurance?
Here’s the breakdown...
Term Life Insurance:
Lowest cost
Covers a set period (e.g. 10, 20, or 30 years)
No cash value
Whole Life Insurance:
Higher premiums
Lifetime coverage
Guaranteed cash value growth
Indexed Universal Life (IUL):
Flexible premiums
Market-linked growth potential
Tax-advantaged cash access
Want help choosing the right one for your goals? Let’s build your custom plan.
3. What is the best age to get life insurance?
In short? The younger, the better.
Why?
Lower premiums
Better health = easier approval
Locks in coverage before life throws you curveballs
For example:
Age 30, healthy: $250,000 term policy = ~$22/month
Age 50, same health: $250,000 = $65–$120/month
Don’t wait until it’s expensive or unavailable. See what your rate looks like today.
4. What happens if you outlive your term life insurance?
This one surprises people: if you outlive your policy, it ends.
No refund (unless it’s return-of-premium)
No payout
You’re now older, health changes, and coverage costs more
That’s why I often help clients layer their coverage:
Term life = affordable protection now
Permanent life = lifelong coverage + wealth-building
It’s a smart way to protect today and prepare for tomorrow.
Want to layer your plan the smart way? Schedule a free strategy call.
5. Do you pay taxes on life insurance?
Here’s the good news:
Death benefits are usually income tax-free.
Cash value policies can offer tax-free growth and loans, if structured properly.
That means:
You can grow wealth inside a policy.
Access funds in retirement without triggering a tax event.
It’s one of the few tools that gives you protection and tax strategy.
Let’s talk about how this could fit into your long-term plan: Book your free call.
Final Thoughts:
Whether you’re protecting your family, building wealth, or looking for guaranteed income in retirement — life insurance is more than just a policy. It’s a strategy.
And the best time to take action? Right now.
If you’re ready to see what’s possible for you, let’s build a custom plan together.
