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.

Examples of Term Life Insurance Cost

Here’s How it Works:

Introducing RamseyTrusted Work With a Company You Can Actually Trust Zander Insurance is RamseyTrusted for term life insurance.

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).

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.

Build Your Quote

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


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.