Term Life Protects Your Wealth

Guard your family’s future and preserve the hard work you’ve done to build your wealth.

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Term Life Numbers You Need to Know

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How Much Does
It Cost Monthly?

The monthly average is $25 to $81 for a $1 million policy. Your rate may vary based on your age, gender, health and how much coverage you need.

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How Much Coverage
Should You Get?

We recommend a term life policy worth 10 to 12 times your annual income. If you’re a stay-at-home parent, we recommend $250,000 to $400,000.

Protecting Your Financial Future

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Choose the Right Policy

This is an easy one. Term life covers your family’s expenses without ripping you off. And if you outlive the policy, the finances you’ve built up on your own will make you self-insured!

Guard Your Wealth

You’re putting in the work to save and invest your cash. Term life coverage means your family won’t have to dip into your savings if the worst happens.

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10 to 12 times your income

Invest It Wisely

With a policy 10 to 12 times your annual income, your spouse could invest the lump sum into a mutual fund and live off the interest (as if it’s your paycheck).

How to Get Term Life Insurance

Getting insured takes a little time, but it’s super easy—and worth it!

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Answer a few quick questions about yourself.

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Compare quotes and pick the one you like best.

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Chat with our friends at Zander Insurance. They’ll ask for a few more details and walk you through the rest of the process to get insured!

Want to Learn More About Term Life Insurance?


Only providers who do whatever it takes to help you win earn the RamseyTrusted shield. And when it comes to your life insurance needs, Zander has been faithfully serving our fans for over two decades. Seriously—we’d send our moms to them (and most of us have).

Start Comparing Term Life Insurance Quotes

We just need a few details about you to give you accurate rates.


How much coverage do you want?

Dave recommends 10–12 times your yearly income.

How many years of coverage do you want?
Dave recommends 15- or 20-year plans. If you’re younger, consider a longer term because it’s still very affordable.

Your Health

What's your health class? See the guidelines
How tall are you?



How much do you weigh?

Sorry, we have to ask.

Have you used any tobacco products in the last 12 months?

Personal Information


What's your gender?

Best number to reach you regarding your custom quote.

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.

The Lampo Group, LLC, through ramseysolutions.com, provides advertising for third parties, including Zander Insurance Group. This form is provided as a direct link to Zander Insurance Group’s site. Information submitted by you is collected, stored and/or used by Zander Insurance Group for the purpose of providing the insurance quotes you request. ramseysolutions.com, with your permission, collects only your name, phone number, email address and postal code. All other information, necessary for the generation of an insurance quote, submitted on this form is directly linked to Zander Insurance Group’s site and is in no way collected, reviewed or stored by ramseysolutions.com. Likewise, all quotes are solely provided by Zander Insurance Group, and are not generated or provided by ramseysolutions.com. The Lampo Group, LLC, is not an insurance company or insurance producer and does not warrant any sites, services or information provided by Zander Insurance Group.

We do not sell your personal information to anyone. You will not receive unsolicited, intrusive calls or emails from other agents and companies across the country. If you do provide your telephone number, a Zander representative or their partners may call or text message/SMS you at the phone number(s) above, including your wireless number if provided. Normal charges may apply. This call may be generated using an automated technology and if Zander is unable to reach you when they call, they may leave you a pre-recorded message, so you can call them back. Your consent to Zander calling is not required to get a quote or make a purchase and may be revoked at any time. You may simply call Zander at 800.356.4282. (Sorry for the long, boring disclaimer . . . our attorney made us do it.)

Zander Term Life Insurance

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.