The Only Life Insurance Dave Ramsey Trusts

Life Insurance is not a baby step it's a now thing!

How It Works

  • 1.

    Get Your Estimate

  • 2.

    Connect With Our RamseyTrusted® Partner

  • 3.

    Apply for a Policy

Start My Estimate

How Zander Serves Ramsey Fans

Affordable Life Insurance

Zander only shops term life. It's a way better deal than whole life insurance because you only pay for what you need.

No-Medical-Exam Options

If you’re young and healthy, there’s a good chance you can get a policy without needing a physical. (No needles!)

Stress-Free Shopping

Zander shops the best insurance rates for your situation so you don't have to. (Did we mention it's free?)

Start My Life Insurance
"Change happens when you do" - Dave Ramsey

Questions About Life Insurance?

If someone depends on your income, you need life insurance. That could be your spouse, your kids or even aging parents who rely on you for support. Life insurance isn’t just for parents or homeowners—it’s for anyone who wants to make sure their loved ones aren’t left in a financial mess if the unthinkable happens.

We only recommend term life insurance. Why? Because it’s simple, affordable coverage with no gimmicks. You pay a set amount each month for a specific amount of time, usually 10–30 years. If you die during that time, your family gets a payout to help cover everyday expenses.

You won’t need life insurance forever. But if someone depends on your paycheck today, it’s one of the smartest ways to protect them—plain and simple.

Yes! Stay-at-home parents do a lot of work, and it would cost tens of thousands of dollars to hire someone to do those tasks. We recommend that stay-at-home parents have a term life insurance policy worth $250,000–400,000.

You need a life insurance policy worth 10–12 times your annual income. You can use our free term life calculator to find out exactly how much that is.

If you’re a stay-at-home parent, you need a policy worth $250,000–$400,000. That will help cover the costs of childcare, housekeeping, tutoring and everything else you do in a day. (Seriously, you're awesome!)

We recommend 15- or 20-year terms. A good rule of thumb is to have enough life insurance to cover your last financial obligation (for example, until your youngest kid is out of college). It keeps your family’s finances protected while you work on saving and investing.

In fact, if you work a good financial game plan, you can become self-insured by the time your term ends. That just means you have enough money for your family to live on after you’re gone and you don’t need life insurance anymore.

Well, at this point we hope you’ve gone through the Baby Steps and don’t need life insurance anymore. Instead, you can be self-insured by the time your term ends! “What in the world does that mean?” you may be asking. That just means you have enough money for your family to live on after you’re gone.

The insurance industry has convinced the public that you need life insurance for your whole life—but that’s simply not true! You only need life insurance when your death would cause your family financial hardship. By the time a 15-, 20-, or 30-year term policy expires, it’s likely your family won’t need life insurance anymore (because your kids are out of college and not dependent on your income).

But if you do still need life insurance for a little longer (until you’re self-insured)—no problem! Most term life plans are guaranteed renewable to age 90 or older, so they don’t really expire. But keep in mind: Once your original term expires, the cost of the policy keeps going up.