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!

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

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.