Life Insurance Without Life Value: Why Young People Are Snubbing Financial Advice -

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Life Insurance Without Life Value: Why Young People Are Snubbing Financial Advice

Life Insurance Without Life Value: Why Young People Are Snubbing Financial Advice

This article is written by a 27 year old female (borderline Generation X / Y) called Rachel. Rachel spent six years at university, has no outstanding debts with the exception of government student loans. Rachel also has no pension plan, no life insurance, savings or property investment. Despite reports of average starting salaries for graduates beginning at £18,000, some even at £25,000, Rachel started on £14,000 three years ago, despite gaining a First Class Honours and offering extensive work experience.

This isn't therapy through Microsoft Word, but it's not uncommon to read reports of "apathetic youth" in the media. For driven young graduates who didn't quite land where they expected ? it is a little frustrating to be branded "ignorant", when it is already difficult working off university debts and fighting your way onto the career ladder in a very competitive market.

What is the point of having independence in old age, if you cannot experience it in youth? That is not to say young people should be encouraged or supported in their debateable extravagance, only that we remain unconvinced by old age. We may have seen our parents lose money in shares or private pension funds, or get divorced and lose money through property. We may be worried about global warming and in an age of suicide bombers, we may not even be confident about how much control we have on our lives anyway. With so much choice on what we can do, but so few people empowering us with confidence, we may well rebel for years to come ? chopping and changing until we find something that fits or until we get tired.

It's too easy to brand young people as apathetic just because they haven't got pensions or life insurance. Smug thirty-somethings who received full grants, graduated in a less competitive market and bought property when the house market was low are quite happy to "tut tut" at their twenty-something shadows in their lack of financially savvy experience, but today's twenty somethings are being squeezed from all angles:

* Student loans replace university grants
* Commercialisation of university life, with banks and credit card companies actively courting student customers
* High property prices
* Very competitive job market

What we need are comprehensive financial research sites that provide information which directly relates to our circumstances. Websites such as moneynet ( http://www.moneynet.co.uk ) with their product price comparisons and finance guides (especially the student finance guide) ?do go most of the way, but we want something that also takes into account our aspirations, situations and will go the distance. We're not adverse to pensions, life insurance and mortgages, but if we're going to splash out lots of dough, it has to be a reasonably reliable investment and we remain unconvinced from we've seen so far in provocative, panic-stirring media.

It's true that products such as life insurance would at least protect our families from our debts and that's important, but with regard to pension, who's to say that in our old age, we may not revert back to student lifestyles ? living in communities and on budgets.

Resources:

Google and the search command "define: generation X" or define: generation y" for age reference

http://www.abi.org.uk/Display/File/Child/237/June_2004.pdf (The source of inspiration for this article!)

About Rachel:

As well as the information in the article, Rachel writes for the personal finance blog Cashzilla. Please feel welcome to comment on any of the article, Cashzilla may bite, but Rachel doesn't!

Web: http://www.cashzilla.co.uk

E-mail: rachel@positiveinterest.com

In The News:

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table border=0 width= valign=top cellpadding=2 cellspacing=7trtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.marketwatch.com/news/story/hanover-insurance-group-inc-estimates/story.aspx%3Fguid%3D%257BA6AE36BA-D945-464F-91AC-D511AC7D21D6%257D%26dist%3Dhpprcid=1256108741ei=d9HwSLyEIKiY6AOkrNm3Bwusg=AFQjCNHqz3REOSwbuA2VGo12MQoqzn_hRQThe Hanover bInsurance/b Group, Inc. Estimates Impact from Third b.../b/abrfont size=-1font color=#6f6f6fMarketWatchnbsp;-/font nobr18 hours ago/nobr/fontbrfont size=-1The Hanover bInsurance/b Group, Inc., based in Worcester, Mass., is the holding company for a group of insurers that includes The Hanover bInsurance/b Company, b.../b/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.forbes.com/feeds/ap/2008/10/10/ap5536271.htmlcid=1256108741ei=d9HwSLyEIKiY6AOkrNm3Bwusg=AFQjCNEULp--YCRiglmnkOoAQtRZspD6dAAspen bInsurance/b hurricane losses reach $155M/a font size=-1 color=#6f6f6fnobrForbes/nobr/font/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://money.cnn.com/news/newsfeeds/articles/apwire/afcd1e4cd719c9b64056a2c7b523f75b.htmcid=1256108741ei=d9HwSLyEIKiY6AOkrNm3Bwusg=AFQjCNEJlR_EC_fIxTlW_U5Ewrx3ORfmxwAspen bInsurance/b 2008 hedge fund losses reach $47M/a font size=-1 color=#6f6f6fnobrCNNMoney.com/nobr/font/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.rttnews.com/Content/BreakingNews.aspx%3FNode%3DB1%26Id%3D737958%2520%26Category%3DBreaking%2520Newscid=1256108741ei=d9HwSLyEIKiY6AOkrNm3Bwusg=AFQjCNEkwcHfj-qC1g9vDO0zAb-ZfsVwsQAspen says market turmoil impacted performance of holdings in b.../b/a font size=-1 color=#6f6f6fnobrRTT News/nobr/font/fontbrfont size=-1 class=pa href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.tradingmarkets.com/.site/news/Stock%2520News/1935952/cid=1256108741ei=d9HwSLyEIKiY6AOkrNm3Bwusg=AFQjCNELBHdlP008NuQk15w_nLEkdHL1mQnobrTrading Markets (press release)/nobr/anbsp;- a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.insurancejournal.com/news/international/2008/10/10/94517.htmcid=1256108741ei=d9HwSLyEIKiY6AOkrNm3Bwusg=AFQjCNEoPcY_WSsODNDq1sZxI9P6NNKARQnobrInsurance Journal/nobr/a/fontbr/font class=p size=-1a class=p href=http://news.google.com/news?sourceid=navclientie=ISO-8859-1rls=GGLG,GGLG:2005-22,GGLG:enncl=1256108741hl=ennobrall 27 news articles/nobr/a/font/div/font/td/tr/table

table border=0 width= valign=top cellpadding=2 cellspacing=7trtd width=80 align=center valign=topfont style=font-size:85%;font-family:arial,sans-serifa href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.efluxmedia.com/news_Health_Insurance_A_Major_Problem_in_the_US_26329.htmlcid=1255640047ei=d9HwSLyEIKiY6AOkrNm3Bwusg=AFQjCNF1S21fSnnTEVYN8BipMDn8q0GN6Qimg src=http://news.google.com/news?imgefp=dpkQvLqByygJimgurl=www.efluxmedia.com/content/news/news_26329.jpg width=80 height=60 alt= border=1brfont size=-2eFluxMedia/font/a/font/tdtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.efluxmedia.com/news_Health_Insurance_A_Major_Problem_in_the_US_26329.htmlcid=1255640047ei=d9HwSLyEIKiY6AOkrNm3Bwusg=AFQjCNF1S21fSnnTEVYN8BipMDn8q0GN6QHealth bInsurance/b â€“ A Major Problem in the US/abrfont size=-1font color=#6f6f6feFluxMedianbsp;-/font nobr4 hours ago/nobr/fontbrfont size=-1The report was based on data from all states across gender, age and income gathered by the Small Area Health bInsurance/b Estimates (SAHIE), which is the only b.../b/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.emaxhealth.com/1/122/25318/health-insurance-rates-lowest-texas.htmlcid=1255640047ei=d9HwSLyEIKiY6AOkrNm3Bwusg=AFQjCNGxKBkfZaiavIvs2sHMLyAL6bGzogHealth bInsurance/b Rates Lowest In Texas/a font size=-1 color=#6f6f6fnobreMaxHealth.com/nobr/font/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.chronline.com/story.php%3Fsubaction%3Dshowfull%26id%3D1223708251%26archive%3D%26start_from%3D%26ucat%3D1cid=1255640047ei=d9HwSLyEIKiY6AOkrNm3Bwusg=AFQjCNGVVvFSp5XG1iZFcuNnpcw14wb6WA14.8 Percent of Lewis County Without Health bInsurance/b/a font size=-1 color=#6f6f6fnobrCentralia Chronicle/nobr/font/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.wnct.com/nct/news/local/article/health_insurance_numbers_released_by_census_bureau/20855/cid=1255640047ei=d9HwSLyEIKiY6AOkrNm3Bwusg=AFQjCNFL6v5fUUATvzOVYMmtuYP_nNekqAHealth bInsurance/b numbers released by census bureau/a font size=-1 color=#6f6f6fnobrWNCT/nobr/font/fontbrfont size=-1 class=pa href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.hometownannapolis.com/cgi-bin/read/2008/10_10-18/GOVcid=1255640047ei=d9HwSLyEIKiY6AOkrNm3Bwusg=AFQjCNEW7Gn-SGWSGD-lyty24jFjhXOTqQnobrAnnapolis Capital/nobr/anbsp;- a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.allheadlinenews.com/articles/7012608207cid=1255640047ei=d9HwSLyEIKiY6AOkrNm3Bwusg=AFQjCNH03Cn3fpXVtqHmPkupEgG9jw_TOAnobrAHN/nobr/a/fontbr/font class=p size=-1a class=p href=http://news.google.com/news?sourceid=navclientie=ISO-8859-1rls=GGLG,GGLG:2005-22,GGLG:enncl=1255640047hl=ennobrall 75 news articles/nobr/a/font/div/font/td/tr/table

table border=0 width= valign=top cellpadding=2 cellspacing=7trtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.bizjournals.com/jacksonville/stories/2008/10/06/daily48.htmlcid=1255986507ei=d9HwSLyEIKiY6AOkrNm3Bwusg=AFQjCNGfdFKUBIZ3rSFlFO_cZvsPNYPEzgFewer Florida workers have health binsurance/b/abrfont size=-1font color=#6f6f6fBizjournals.com,nbsp;NCnbsp;-/font nobr22 hours ago/nobr/fontbrfont size=-1The number of Floridians covered by health binsurance/b provided through their employer continues its slide. A new report by the Economic Policy Institute b.../b/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.myrtlebeachonline.com/news/local/story/625088.htmlcid=1255986507ei=d9HwSLyEIKiY6AOkrNm3Bwusg=AFQjCNFd-HAyxS1L0G1lv3nWw-jkTUUF6AEmployers continue to drop binsurance/b/a font size=-1 color=#6f6f6fnobrMyrtle Beach Sun News/nobr/font/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.citizen-times.com/apps/pbcs.dll/article%3FAID%3D2008810100324cid=1255986507ei=d9HwSLyEIKiY6AOkrNm3Bwusg=AFQjCNE0Jq3KJ3ICto9K2V4rueg7GkHwLQStudy: NC children are losing health binsurance/b/a font size=-1 color=#6f6f6fnobrAsheville Citizen-Times/nobr/font/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://blog.aflcio.org/2008/10/10/employer-provided-health-care-coverage-falls-for-seventh-yearcid=1255986507ei=d9HwSLyEIKiY6AOkrNm3Bwusg=AFQjCNE6kGKabmhi2dUifqp674Gq8hFrygEmployer-Provided Health Care Coverage Falls for Seventh Year/a font size=-1 color=#6f6f6fnobrAFL-CIO/nobr/font/fontbrfont size=-1 class=pa href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.salem-news.com/articles/october092008/ocpp_report_10-9-08.phpcid=1255986507ei=d9HwSLyEIKiY6AOkrNm3Bwusg=AFQjCNEM5xBXSJF7roDWkrunV3uPOb685AnobrSalem-News.Com/nobr/anbsp;- a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.bizjournals.com/columbus/stories/2008/10/06/daily39.htmlcid=1255986507ei=d9HwSLyEIKiY6AOkrNm3Bwusg=AFQjCNFBEvKBi-Gng-ImNFOpKIbh65RIHAnobrBizjournals.com/nobr/a/fontbr/font class=p size=-1a class=p href=http://news.google.com/news?sourceid=navclientie=ISO-8859-1rls=GGLG,GGLG:2005-22,GGLG:enncl=1255986507hl=ennobrall 34 news articles/nobr/a/font/div/font/td/tr/table

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