Have questions or need help?

Call us toll free 800-356-4282 or email at info@zanderins.com.

Learn More About

Term Life
vs.
Cash Value
Plans

"Use Zander's online quoting system to search for the most competitive term life insurance plans available. Remember most people with families need 8 to 10 times their income in coverage and I recommend 15, 20 or 30 year guaranteed level plans depending on your age. Stay away from Cash Value or Return of Premium plans that waste your money. Zander only deals with top notch insurance companies and has great rates... even for those with pre-existing conditions. Call them at 800.356.4282 with any questions. They are there to help."
- DAVE RAMSEY

Term Life Insurance: Child Riders

Most companies offer insurance for children as a rider to their parent's policy. The requested amount is added to the parent's policy premium each year. The rates for the companies offering this coverage are detailed below. The "Cost/Unit" column illustrates the cost per thousand per year for the coverage while the "# Units Available" lists the minimum and maximum coverage values available.

Generally, the coverage provided is to all dependent children in your household, ranging in age from 6 months to 21 (there are some specific company details). If you request 10 units = $10,000 and the charge per thousand is $6.50, then the annual premium will be $65.00 per year, regardless of the number of children in your household. Please don't hesitate to contact us with any questions you may have.

Company	Cost/Unit	# Units Available
American General Life Ins. Co.	5.50/$1000	1,000-10,000
American Mayflower Life Ins. Co.	N/A	N/A
Banner Life Ins. Co.	N/A	N/A
Genworth Life	5.50/$1,000	1,000-10,000
Jackson National Life Ins. Co.	25.00/$5000	1,000-5,000
Lincoln Benefit Life Co.	30.00/$5000	2,500-10,000
Lincoln National Life Ins. Co.	6.00/$1000	5,000-20,000
Lincoln Life and Annuity Company of New York	N/A	N/A
Midland National Life Ins. Co.	6.00/$1000	1,000-10,000
North American Co. for Life and Health	8.75/$1000	1,000-10,000
Protective Life Ins. Co.	6.00/$1000	1,000-20,000
ReliaStar Life Ins. Co.	6.00/$1,000	2,000-10,000
ReliaStar Life Ins. Co. of NY	6.00/$1,000	2,000-10,000
Savings Bank Life Insurance Company of Massachusetts	20.00/$5,000 or 40.00/$10,000	5,000-10,000
Transamerica Occidental Life Ins.	5.83/$1000	1,000-20,000
United of Omaha Life Ins. Co.	10.00/$1000	1,000-10,000
United States Life Insurance in the State of New York	5.50/$1000	1,000-10,000
West Coast Life Ins. Co.	6.00/$1000	1,000-20,000
William Penn (NY)	N/A	N/A

Call us with any questions you may have.