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.
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Build Your QuoteProvide your basic information to get a list of providers and prices customized for you.
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Finalize Your PolicySit back and Zander will guide you throughout the rest of the process.
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.
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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.