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Term Life Insurance Plans
Term Life is the most affordable way to protect your family’s future. What if the unthinkable happened how would your loved ones be taken care of? Term Life Insurance is income replacement so your family has no financial concerns if you’re gone. The best part is that you can buy hundreds of thousands of dollars in coverage for less than $50 per month. Wouldn’t that give you peace of mind to know you’re taking care of the ones that depend on you. Your absence will cause much heartbreak but your financial planning can ease that pain.
100% Online Enrollment
Complete our short form application and receive your quotes within minutes. We deliver the right quotes in a fraction of the time of other companies, so you don’t have to spend days researching different insurers to discover which are affordable and reliable. After you selected your quote you can buy and get coverage instantly online.
Specific Period of Time
Term Life Insurance covers an individual for a certain period of time making it much more affordable. Incidentally, you can buy term insurance for certain time frames of 5 years or more. Your policy will be active until that time period passes. You only pay when you need it. This makes Term Life Insurance much more affordable than whole life insurance. Most people purchase policies of 10, 15, 20 or 30 years.
Who Buys Term Insurance and How Much Do You Need
Most people with children between the ages of 30 and 40 need term life insurance. The best rule is to multiply your income by 10 to estimate your death benefit. It doesn’t take a detailed look at your family’s needs, nor does it take into account your savings or existing life insurance policies, but it is an excellent broad estimate. Both parents should be insured because the value provided by the stay-at-home parent needs to be replaced if he or she dies. At a bare minimum, the remaining parent would have to pay someone to provide the services, such as child care, that the stay-at-home parent provided for free.
Tips to Keep in Mind
Rather than planning life insurance in isolation, consider the purchase as part of an overall financial plan. That plan should take into account future expenses, such as college costs, and the future growth in income and assets. Once that information is known then you can map the life insurance needs on top of the plan. And, don’t skimp. Buy a little more coverage than you think you’ll need. Remember you’re income will likely rise over the years and so will your expenses.
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