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
Why Should I use Zander Insurance?
Zander Insurance is the only company Dave recommends because they believe in Dave’s plan and they’ll treat you the way the folks at Ramsey would. Zander is a different kind of company. They are an independent agent that actually shops different life insurance providers to find an affordable policy that fits you and your family’s needs. Plus, they walk alongside you the entire way. And we think that’s a great way to do business.
Complete Your Financial Plan by Getting Term Life in Three Easy Steps!
Build Your QuoteProvide your basic information to get a list of providers and prices customized for you.
Choose a PlanYou'll get to pick from your list of top providers with competitive rates!
Confirm With ZanderSit back, and Zander will guide you throughout the rest of the process.
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.
The Lampo Group, LLC, through daveramsey.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. daveramsey.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 daveramsey.com. Likewise, all quotes are solely provided by Zander Insurance Group, and are not generated or provided by daveramsey.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.
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