United American Insurance Co

Is life insurance dying?

ONLY IN THE WORLD-HERALD
Michael Yarges thought about life insurance when he was single.

“Something for whoever would take care of me at the end,” he figured. But as he passed age 30, he still hadn't gotten a policy, instead investing in mutual funds, trading stocks on the Internet and using his money elsewhere.

His marriage six months ago spurred him to contact his insurance agent. “There was no need for it before,” said Yarges, 35. “But now we're thinking about starting a family.”

Karen Denholm has had life insurance since she was a baby, when her parents bought a policy from the Gerber Life Insurance Co.

She and her husband, Leroy, recently upgraded to a bigger house, prompting Karen, 45, to bump up her coverage. And Leroy, 50, has a group policy at work. “I want something to go to my kids when I pass,” he said.

Daughter Emma Boykin, 12, has a State Farm policy plus a Gerber policy of her own. Altogether, their coverage tops $600,000. “We haven't insured the pups yet,” Karen said, as three small dogs scurried around the living room of their home just west of Ralston.

These days, Yarges and the Denholms are in a shrinking group of life insurance buyers, especially among people in their 40s and younger. It's a long-term trend that worsened during the recent recession and that concerns some insurance companies who are major employers in Nebraska and Iowa.

While mortgage companies require property insurance, states require auto insurance and the federal government is about to require health insurance, life insurance is optional.

“You have to think about it and go buy it,” said Steven Weisbart, chief economist for the Insurance Information Institute. “There is a general feeling that on the list of important things to buy, insurance is not very high.”

In 1970, the United States had 197 million individual life insurance policies in force, nearly one for every American because many people had more than one, the American Council of Life Insurers said. Since then the country has gained nearly 100 million people but now counts only 153 million individual policies — fewer than one for every two people.

The latest survey by the Life Insurance and Market Research Association showed 30 percent of U.S. households without any life insurance and 56 percent without individual policies, both 50-year highs. In 2004, 22 percent had no insurance and 50 percent had no individual policies.

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