Life Insurance for Couples 

We'll help you and your spouse find
the best life insurance options for both of you.

Frequently Asked Life Insurance Questions for Couples


Why Should Couples Get Term Life Insurance?

If you depend on each other's income, either to pay bills or manage debt, you'll need to replace your spouse's income if something happens. So getting a policy now for each of you is important.

What Type of Life Insurance Should Couples Get?

There are so many different types of life insurance out there. But term life is almost always the most affordable type of life insurance, and it’s definitely the simplest. It covers you for a fixed period of time until you're self-insured, saving you from paying for life insurance long after you need it. 

How Much Life Insurance Do Married Couples Need?

We recommend getting 10–12 times your annual salary. If you die, your spouse will take the lump sum they receive and invest that amount into mutual funds that average at least 10% growth. The interest your family takes out each year would cover your annual salary. The original amount could stay there forever, and they could live off of the interest.


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.