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Another Great Reason to Purchase Life Insurance: ZOMBIE APOCALYPSE!

In today’s society, people know more about what they should do in the event of a zombie apocalypse than they know about what they should do when they go to the voting booth on Election Day. With shows like The Walking Dead and movies like World War Z, Zombieland, and 28 Days Later popping up left and right, it’s really not much of surprise, though.

zombie apocalypseAre You Really Ready?

Besides having your basement stockpiled with canned goods and crossbows, just how prepared are you, though? There’s definitely an argument to be made for life insurance, especially in the case of a World War Z scenario, where the civilized world doesn’t necessarily crumble and loved ones could still file claims in the unfortunate event that you should start craving brains.

Why You Should Buy Now—and Not Have Your Insurance Eaten By Zombies

Think life insurance premiums are expensive now?  Think of how much they would skyrocket should you try to acquire a policy after the zombie hoards start devouring the population hand over fist!

Of course, there’s always the possibility that all of the insurance companies might turn into zombies themselves, and there would be no one to pay out the claims, but it’s always a good idea to be prepared. There might very well be one insurance guy left, with a computer, and a bank account, ready to pay claims. That’s dedication!

In order for your family to file a claim with the new King of Life Insurance, though, you need to purchase a policy and guess what… no current life insurance policies have any clauses or exclusions regarding a possible zombie apocalypse! Score!

Best Insurance Buy for the Zombie Apocalypse

Typically, term life policies are generally recommended by life insurance specialists, but in the zombie apocalypse scenario, something could maybe be said for whole term policies (you can find out more about these life insurance policies at Suncorp):

  • Term Life—When you purchase a term life policy, you’re designating protection for a selected amount of years; most-commonly it’s thirty. During that period of time you experience no rate changes, hidden fees, commissions, forfeiture expenses, and the only benefit received are the death benefits your family claims.These policies are recommended, because they don’t change in cost and, once the time period is up, you’re able to reevaluate your assets and remove items insured under the policy that no longer need to be covered. A significant amount will change over 30 years, so having to ability to essentially refinance your policy provides a significant advantage; after all, you don’t ever want to paying for more than you actually need.
  • Whole Term—With these policies, rates can fluctuate, there can be fees that will pop up (hefty fees should you decide you want to cancel your policy for any reason), and commissions can play a role. However, the benefits are:
    • Tax-Free Cash: Whole term policies are an investment; this means that tax-free cash can be accumulated over the course of the policy’s life.
    • Life-Long Coverage: You’ll never have to re-up; these policies are permanent protection, but, as mentioned, if you should ever want to cancel the policy (perhaps to move to another insurer) it’s going to cost you.

In the scenario of a zombie apocalypse, the argument that is pro-whole term mainly exists due to the fact that there isn’t a one of us that knows what an insurance company will do once it strikes. If your 30-year term policy expires and the apocalypse is still going strong, what will the new rates be like? They’ll probably be very expensive and policies might be hard to come by.

However, if you’ve basically grandfathered your way in through whole term, you might not mind the permanent nature of the policy, or a few extra fees, so much once the zombies descend! Plus, you’ll stocking up that tax-free cash for when the plague finally dissipates—something to think about!

Image courtesy of Digital Trends

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  1. I’ve never understood the whole zombie craze. Some people are so nuts about it! Liked how it was connected to life insurance in this post, very clever.
    DC @ Young Adult Money recently posted..Why Every Renter Needs Renters InsuranceMy Profile

  2. “Think life insurance premiums are expensive now? Think of how much they would skyrocket should you try to acquire a policy after the zombie hoards start devouring the population hand over fist!” Lol! Like DC, I do not understand the zombie craze, but I guess whatever works to make you buy life insurance at the right age works in my book. ;)
    John S @ Frugal Rules recently posted..Paying Off Debt While Dealing With Debt FatigueMy Profile

  3. Life insurance is a great call, zombie apocalypse or not. But stick with term. Whole life is a poor investment and you will almost definitely regret the high costs.
    Matt Becker recently posted..Stop Focusing on the Negatives. Start Enjoying Life.My Profile

  4. Hmm. I think that if there was such an event, my dependents would have their brains eaten too. :) But in the case that they don’t, life insurance would come in handy.

  5. What a witty comparison! (Walking Dead fan here:) )
    Jules@Faithful With a Few recently posted..What To Do When You Don’t Get the Job You WantedMy Profile

  6. The zombie apocalypse is my only hope for escaping my student loan debt. I was really disappointed back in December when it didn’t happen! ;)

  7. This post reminded me of that extreme preppers show. Glad I have 72 guns and 50 years worth of dehydrated food in my basement (oh yeah I don’t a basement, crap). I guess I better look into more life insurance.
    KK @ Student Debt Survivor recently posted..How to Find Money for Surprise ExpensesMy Profile

    • Haha, the extreme preppers make me laugh. I am a gun owner, but don’t have many nor do I have enough ammunition to start a small war against the zombies.

  8. This house is so not zombie-proof, I guess I shouldn’t even bother. 9 ground level windows and three doors? Yeah, I’m getting eaten.

    I actually just finished reading a book that was a refreshing take on zombies because it took it back to their voodoo roots.
    Edward Antrobus recently posted..What is the Difference Between a Bill and a Debt?My Profile

  9. Ha! I like the idea of getting life insurance, zombies or not. We really need to get some more on both of us.
    Holly@ClubThrifty recently posted..Retirement Planning: 3 Tips to Get StartedMy Profile

  10. I’ve never heard the term whole-term. Maybe this is Australia specific insurance terminology?

    Fun guest post.

  11. Chris Holdheide (@StumbleForward)

    I recently switched from a cash value policy to term mainly for the fact that it cost less and allowed me to get more coverage. The thing I like about my term policy is that I can convert it to a paid up policy after 30 years if I want to. I also have a return of premium rider attached to mine as well so I can get the majority of what I paid in to it after 30 years.

  12. If we are to believe TV and movies, a zombie apocalypse is just around the corner. And boy, am I glad I have life insurance! :) Fun post, Grayson. Life insurance is important even if that zombie apocalypse never materializes!

  13. Haha and here I was worrying about an accidental death. ;)
    Cat Alford (@BudgetBlonde) recently posted..Building A Blog Brand 101My Profile

  14. I’m more of the opinion that when the zombie hordes come it will be the demise of all our society, so the best insurance would be a rifle and plenty of ammo :p I just really really hope they are slow zombies and not the fast 28 days later zombies. Slow we got a chance, fast not even the insurance companies can dodge that claim.
    thepotatohead recently posted..Powerball Vs Scratch-Offs : Always Play the Best OddsMy Profile

  15. This is a fun – and educational – post! Nicely done, buddy. These are solid tips on buying life insurance as well. Cheers!
    Lindsey @ Cents & Sensibility recently posted..Q2 NY Resolutions Update, and UnicornsMy Profile

  16. I fully endorse preparations in the event of the zombie apocalypse. I only have life insurance through work, but I would like to think that my awesome (video game) zombie shooting skillz will ultimately save me.
    CF @ Outlier Model recently posted..Recipe Idea: Lime and Salsa Pork ChopsMy Profile

  17. Haha I don’t think insurance companies would still cover people during a zombie apocalypse, or even that money will have any value when it all goes down. Better invest in cattle :)
    Pauline @ Make Money Your Way recently posted..Side Hustle series: Make money at partiesMy Profile

  18. If there was an apocalypse…who would pay the claims? O_0
    TheLifeInsuranceBlog recently posted..How To Get Term Life Insurance Quotes, No Exam RequiredMy Profile

  19. I think the more interesting question is whether or not life insurance would even pay out if you were to become a Zombie. Would someone who turns into a zombie officially be classified as dead? Would a death certificate be issued? If not, the company wouldn’t pay out, right?

  20. Ahha, I think, That in case real zombie outbreak, nobody will need insurance =)
    Kate recently posted..Zpocalypse by Green Briar ReviewMy Profile

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