Protect Your Financial Future
With Term Life Insurance
Term life insurance is the best way to guard your wealth
and provide for your family.
How Term Life Insurance Fits Into Your Financial Future
It's Part of Your Defensive Game Plan
Most people only think about their offensive game plan (saving and investing). But your defensive game plan is just as important because it protects your money when something unexpected happens. Term life insurance replaces your income if you die within a specific time period (the term). We recommend term life only—whole life insurance is more expensive because it funds an investment account that has a terrible rate of return.
It Replaces Your Income
You need 10–12 times your annual income in term life insurance. So if you make $50,000 a year, you need a policy that pays out $500,000 to $600,000. Here’s why: If something happens to you, and your family is paid this amount, they can put it into a good mutual fund that grows around 10% a year. Ten percent of $500,000 is $50,000—the amount of your annual salary. And your family can continue to do this year after year without dipping into the original amount of your policy.
It Protects You Until You're Self-Insured
Get a term life policy of 15–20 years in length. In that time frame, you can get out of debt and pay off your mortgage, build up savings, and grow your investments. And the kids will grow up and become self-sufficient. At that point, (even without life insurance) if something were to happen to you or your spouse, the surviving spouse would be able to live off your savings and investments.
Only providers who do whatever it takes to help you win earn the RamseyTrusted shield. And when it comes to life insurance, this is a company that’s been serving our fans faithfully for over two decades. Seriously—we’d send our moms to them (and most of us have).
Determine Your Health Level
Using the “Health Factors” and “Height and Weight” charts below, choose one of the four health classes. Each company has different criteria, so these guidelines have been combined and simplified to give you the best chance of choosing your actual health class. Don’t worry, Zander will make sure your health class is accurate.
Build Your Quote
We need just a few details about you to give you accurate quotes.
The life insurance quotes are estimates based on the health class you have selected. Final rates are always subject to underwriting approval by the insurance company. There are many factors involved in the final approval price, such as (but not limited to) health history, lab results, family history and driving record.
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