<p><img decoding="async" loading="lazy" class="alignnone size-full wp-image-3090" src="https://static.zanderins.com/wp-content/uploads/2022/06/02184511/3-1.png" alt="" width="1110" height="411" srcset="https://static.zanderins.com/wp-content/uploads/2022/06/02184511/3-1.png 1110w, https://static.zanderins.com/wp-content/uploads/2022/06/02184511/3-1-300x111.png 300w, https://static.zanderins.com/wp-content/uploads/2022/06/02184511/3-1-1024x379.png 1024w, https://static.zanderins.com/wp-content/uploads/2022/06/02184511/3-1-768x284.png 768w" sizes="(max-width: 1110px) 100vw, 1110px" /></p>
<p><span style="font-size: 22px; line-height: 35px;">Dave Ramsey does not recommend purchasing life insurance on children, specifically Gerber Life and similar policies that pose as college savings plans or promise a child’s insurability into the future.</span></p>
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<p>Children’s life insurance is another method of selling whole life insurance to people who don’t need it. As a child’s premature death is extremely rare, Dave feels that the expense can be managed via the parent’s emergency fund.</p>
<p>Alternatively, for those who wish to have some sort of extra protection in place, a <a href="https://www.zanderins.com/term-life-insurance/child-rider">child rider</a> can be added to most term life policies. Companies that offer a child rider tend to charge $50 to $60 a year for $10-20,000 of coverage, which would cover all children in the household (usually up to age 25). Once the child is old enough to buy their own life insurance, they can convert their child rider coverage to an individual policy even if they have health issues. So, instead of spending too much money on a policy for your child, consider using those funds for better investment options such as Education Savings Accounts, 529 plans, or regular mutual funds.</p>


Having term life insurance for yourself is very important, but does that mean your children need coverage too? Read more to find out.

Should I Have Life Insurance on My Children? | Zander Insurance

Should I Have Life Insurance on My Children?

<p><img decoding="async" loading="lazy" class="alignnone size-full wp-image-2741" src="https://static.zanderins.com/wp-content/uploads/2022/05/26205655/blog_post_headers-3.png" alt="burial insurance" width="1110" height="411" srcset="https://static.zanderins.com/wp-content/uploads/2022/05/26205655/blog_post_headers-3.png 1110w, https://static.zanderins.com/wp-content/uploads/2022/05/26205655/blog_post_headers-3-300x111.png 300w, https://static.zanderins.com/wp-content/uploads/2022/05/26205655/blog_post_headers-3-1024x379.png 1024w, https://static.zanderins.com/wp-content/uploads/2022/05/26205655/blog_post_headers-3-768x284.png 768w" sizes="(max-width: 1110px) 100vw, 1110px" /></p>
<p><span style="font-size: 22px; line-height: 35px;">Term life insurance should not be used for final expenses or burial. Your term life insurance plan could expire before the death of the insured, making it not a viable method to plan for final expenses.</span></p>
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<p>When buying <a href="https://www.zanderins.com/term-life-insurance/instant-quotes">term life insurance</a>, the goal is to be paying off debt and growing your savings, so that by the time your insurance expires, there won’t be a need for life insurance. Dave Ramsey doesn’t recommend buying life insurance with the sole intention of using the money to cover final expenses, as in most cases your emergency fund and/or savings should pay for them.</p>
<p>There are some rare instances that you want to consider a burial type of policy, such as one through Senior Legacy Insurance. While Dave Ramsey does not typically recommend a burial policy, as it is a cash value plan, it could be the only way to address a need for insurance if you are dealing with an older individual whose financial or medical situation does not allow for any other option.</p>
<p>See answers to more <a href="https://www.zanderins.com/term-life-insurance/faqs">frequently asked questions</a> about term life insurance.</p>


Is there an instance when you might need a burial policy and term life insurance coverage? Find out what our experts and Dave Ramsey suggest.

When Do I Need a Burial Policy? | Zander Insurance

Do I Need a Burial Policy?

<p><img decoding="async" loading="lazy" class="alignnone size-full wp-image-2737" src="https://static.zanderins.com/wp-content/uploads/2022/05/26195808/blog_post_headers-2.png" alt="life insurance expires" width="1110" height="411" srcset="https://static.zanderins.com/wp-content/uploads/2022/05/26195808/blog_post_headers-2.png 1110w, https://static.zanderins.com/wp-content/uploads/2022/05/26195808/blog_post_headers-2-300x111.png 300w, https://static.zanderins.com/wp-content/uploads/2022/05/26195808/blog_post_headers-2-1024x379.png 1024w, https://static.zanderins.com/wp-content/uploads/2022/05/26195808/blog_post_headers-2-768x284.png 768w" sizes="(max-width: 1110px) 100vw, 1110px" /></p>
<p><span style="font-size: 22px; line-height: 35px;">Most Term Life plans are renewable to age 90 or older. But the cost of the policy goes up substantially each year once the guaranteed level premium period expires. </span></p>
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<p>However, the affordability and flexibility provided by the long-term rate guarantees (10,15,20,25 and 30 years) of term life plans and the financial achievements you can accomplish during that time period is the reason <a href="https://www.zanderins.com/term-life-insurance/instant-quotes">term life insurance</a> is a much better option than cash-value plans.</p>
<p>Cash-value plans (Whole Life, Universal and Variable Life, and Return of Premium Plans) assert that you will need life insurance for your entire life, so to cover the higher cost of insuring you in your later years, they overcharge you in the earlier years of the policy. It is Dave Ramsey’s opinion that the money you save with term life insurance should be used to pay off debts and grow your wealth so that, by the time you’re older and the term expires, you won’t even need life insurance anymore. Don’t be fooled by the idea that you’ll need lifelong insurance coverage – life insurance is only necessary when your death would cause your family to suffer financially due to loss of income or debt.</p>


Do you know what to do should your term life insurance expire? Read tips about what you should do if your policy is about to expire from Zander.

What Happens When My Term Life Insurance Expires? | Zander

What Happens When My Term Life Insurance Expires?

<p><img decoding="async" loading="lazy" class="alignnone size-full wp-image-2724" src="https://static.zanderins.com/wp-content/uploads/2022/05/05151125/blog_post_headers-1.png" alt="term life insurance" width="1110" height="411" srcset="https://static.zanderins.com/wp-content/uploads/2022/05/05151125/blog_post_headers-1.png 1110w, https://static.zanderins.com/wp-content/uploads/2022/05/05151125/blog_post_headers-1-300x111.png 300w, https://static.zanderins.com/wp-content/uploads/2022/05/05151125/blog_post_headers-1-1024x379.png 1024w, https://static.zanderins.com/wp-content/uploads/2022/05/05151125/blog_post_headers-1-768x284.png 768w" sizes="(max-width: 1110px) 100vw, 1110px" /></p>
<p><span style="font-size: 22px; line-height: 35px;">No. The insurance industry has been very creative in perpetuating the idea that you will need life insurance for your entire life – that’s where cash value products get their name (Whole Life, Universal and Variable Life). </span></p>
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<p>The truth is you only need life insurance for the time in which your family would not be able to maintain their financial lifestyle due to a lack of savings or debt. When you purchase <a href="https://www.zanderins.com/term-life-insurance/instant-quotes">term life insurance</a>, your rate is locked for the timeframe of your choice. During this time, you should establish an emergency fund, pay down debts, and grow your savings. It doesn’t make sense to overpay for whole life insurance now so you can have protection in later years &#8212; you shouldn’t need life insurance at that point.</p>
<p>It is important to remember that as you are increasing savings and attacking debts, you are on the road to eliminating your need for life insurance so that, in the future, you can put those funds towards other investment options. There is no financial justification for spending money on a product you will eventually no longer need, just to receive a minimal rate of return. Also, because your emergency fund and savings should be established by this point, any final expenses or burial costs should be paid from these funds.</p>
<p>Learn more about the “<a href="https://www.zanderins.com/blog/whole-vs-term">Term vs. Cash Value</a>” debate.</p>


Do you need whole life insurance? Find out the truth behind whole life insurance and why term life might be a better fit from Zander Insurance.

Do I Need Life Insurance for My Whole Life? | Zander

Do I Need Life Insurance for My Whole Life?

<p><img decoding="async" loading="lazy" class="alignnone size-full wp-image-3122" src="https://static.zanderins.com/wp-content/uploads/2022/05/07183048/4-3.png" alt="" width="1110" height="411" srcset="https://static.zanderins.com/wp-content/uploads/2022/05/07183048/4-3.png 1110w, https://static.zanderins.com/wp-content/uploads/2022/05/07183048/4-3-300x111.png 300w, https://static.zanderins.com/wp-content/uploads/2022/05/07183048/4-3-1024x379.png 1024w, https://static.zanderins.com/wp-content/uploads/2022/05/07183048/4-3-768x284.png 768w" sizes="(max-width: 1110px) 100vw, 1110px" /></p>
<p><span style="font-size: 22px; line-height: 35px;">Dave Ramsey considers term life insurance to be an immediate need, which is why you won’t find it in the Baby Steps – it comes first! </span></p>
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<p>Dave’s advice is simple: no matter where you are in your financial journey, if your death would cause financial hardship for your family then you need life insurance. The most crucial time to have <a href="https://www.zanderins.com/term-life-insurance/instant-quotes">term life insurance</a> is when your family is in debt and has a lack of savings, as they would be less likely to continue their lifestyle if your income was gone. It is important to remember that as long as you are growing your savings and paying off your debts, you will need less insurance coverage as you get older.</p>


As you continue your financial journey, there comes a time when you need to think about life insurance, and how it can help protect your family.

When Should I Consider Life Insurance? | Zander Insurance

When Should I Consider Life Insurance?

<p><img decoding="async" loading="lazy" class="alignnone size-full wp-image-3129" src="https://static.zanderins.com/wp-content/uploads/2022/05/07183109/11-3.png" alt="" width="1110" height="411" srcset="https://static.zanderins.com/wp-content/uploads/2022/05/07183109/11-3.png 1110w, https://static.zanderins.com/wp-content/uploads/2022/05/07183109/11-3-300x111.png 300w, https://static.zanderins.com/wp-content/uploads/2022/05/07183109/11-3-1024x379.png 1024w, https://static.zanderins.com/wp-content/uploads/2022/05/07183109/11-3-768x284.png 768w" sizes="(max-width: 1110px) 100vw, 1110px" /></p>
<p>As health officials continue to learn more about what this virus means for us long-term, we’re understanding more about how this will affect the insurance industry as well. Rate increases and restrictions on who can apply have become more prevalent and aren’t slowing down any time soon. As you consider the best way to protect your loved ones, here are a few of the most frequently asked questions about the <a href="https://www.zanderins.com/term-life-insurance/instant-quotes">effect of the coronavirus on life insurance</a>:</p>
<h2>Will the coronavirus affect life insurance prices?</h2>
<p>If you already have a policy in place, know that the Coronavirus pandemic will not change that. If you don’t yet have this protection, however, you should move quickly. Companies have had to implement pricing increases because of the risk older age groups face, and whether or not everyone will absorb these increases or if it will only affect the older demographic is still unknown. In short: prices won’t be going down anytime soon, so it’s smart to get your application in as soon as possible<strong>.</strong> New data on the mortality rates of the coronavirus have also led to a continued tightening of restrictions on who can apply, so waiting means risking the possibility of being unable to get the coverage you need.</p>
<h2>When will things go back to <em>normal</em>?</h2>
<p>Insurance companies have widely acknowledged that this could change the underwriting process forever. The possibility of long-term damage to the lungs and heart means that even once an individual recovers from the virus, they may have more serious complications down the road, which may make effect of the coronavirus on life insurance coverage even more difficult and expensive to obtain. Even a vaccine may not change this fact, as news of re-infections has surfaced.</p>
<h2>Is it safe to get a medical exam?</h2>
<p>We continue to work with the medical exam companies to find the safest, quickest ways for you to complete this requirement. The exam companies with whom we work are following CDC guidelines to ensure your health and safety. We’re also seeing new developments in electronic medical record retrieval and alternatives to in-person exams for some individuals, meaning that you may be able to complete this requirement without meeting with an examiner.</p>
<p>We’re here to support you during this difficult time and will do everything in our power to help you secure this necessary protection for your family. Please don’t hesitate to reach out to us by phone or email with any questions or concerns.</p>


Read about the Coronavirus and how it impacts life insurance including prices, getting an exam, and when things will go back to normal.

Coronavirus and Life Insurance | Zander Insurance

Life Insurance and Coronavirus Update – Zander Insurance

<p><img decoding="async" loading="lazy" class="alignnone size-full wp-image-3127" src="https://static.zanderins.com/wp-content/uploads/2022/05/07183105/9-5.png" alt="" width="1110" height="411" srcset="https://static.zanderins.com/wp-content/uploads/2022/05/07183105/9-5.png 1110w, https://static.zanderins.com/wp-content/uploads/2022/05/07183105/9-5-300x111.png 300w, https://static.zanderins.com/wp-content/uploads/2022/05/07183105/9-5-1024x379.png 1024w, https://static.zanderins.com/wp-content/uploads/2022/05/07183105/9-5-768x284.png 768w" sizes="(max-width: 1110px) 100vw, 1110px" /></p>
<p>The best way to determine whether or not you need <a href="https://www.zanderins.com/term-life-insurance-instant-quotes">life insurance</a> is to ask yourself one simple question: <em>who depends on my income?</em> If the answer is <em>only you</em>, life insurance may not be your biggest priority right now – and that’s okay! The primary purpose of life insurance is to allow your loved ones to maintain their financial lifestyle after you’re gone. If the loss of your income wouldn’t impact anyone else, then you don’t have to worry about that. Generally speaking, if you’re not married, you can save yourself a little money by foregoing life insurance for the time being. As with most things, however, there are a few exceptions.</p>
<h2>If you have children . . .</h2>
<p>Children are called our “dependents” for a reason. They depend on us for care, guidance, and resources. If you have a kiddo in your life that relies on your income to meet their needs, you need term life insurance. The age of your child(ren) plays a role in how long you’ll need coverage – ideally, until they graduate college – so keep that in mind when choosing your term length.</p>
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<h2 class="FormHeaderText__heading align-self-center text-sm-center text-md-center text-lg-left text-center" style="line-height: 3rem; margin: 3rem 0px; text-align: left;">&#8220;<strong>Life insurance is to replace your income for someone who counts on it. That’s the main thing.</strong>&#8220;<i> &#8211; Dave Ramsey</i></h2>
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<h2>If it’s offered by your employer . . .</h2>
<p>When an employer provides life insurance at no cost, there’s really no reason not to take it. If you have dependents, however, <a href="/blog/why-your-employers-group-plan-is-not-enough">your employer’s group plan may not be enough</a>. Dave Ramsey recommends having 10 to 12 times your income in term life coverage, and no more that 50% of your life insurance through your employer, so be sure to supplement that with an individual policy if someone in your life does depend on your income.</p>
<h2>If you’re drowning in debt . . .</h2>
<p>Unfortunately, most of us have some debt in our lives. If you’re in the “single with student loans” category, purchasing a term life policy to cover your income while you’re paying those off is a smart move. We know – the thought of adding anything else into your budget while working on that debt snowball can be intimidating. The good news? It’s probably more affordable than you think, and the risk of leaving loved ones with your debts outweighs the benefit of saving a few dollars a month.</p>
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Read about if you need life insurance if you are single from Zander Insurance if you have children, offered by your job, and more.

Do You Need Life Insurance If You Are Single | Zander

I’m Single – Do I Need Life Insurance? (Maybe)

<p><img decoding="async" loading="lazy" class="alignnone size-full wp-image-3128" src="https://static.zanderins.com/wp-content/uploads/2022/05/07183107/10-3.png" alt="" width="1110" height="411" srcset="https://static.zanderins.com/wp-content/uploads/2022/05/07183107/10-3.png 1110w, https://static.zanderins.com/wp-content/uploads/2022/05/07183107/10-3-300x111.png 300w, https://static.zanderins.com/wp-content/uploads/2022/05/07183107/10-3-1024x379.png 1024w, https://static.zanderins.com/wp-content/uploads/2022/05/07183107/10-3-768x284.png 768w" sizes="(max-width: 1110px) 100vw, 1110px" /></p>
<p>Each year, May 2<sup>nd</sup> is celebrated as National Life Insurance Day, marking the anniversary of the first <a href="https://www.zanderins.com/term-life-insurance-instant-quotes">life insurance</a> policy being written in the U.S. in the late 1760s. While you may not have had this day marked on your calendar, it does serve as a good reminder that it might be time for a life insurance check-up.</p>
<p>Despite having a national holiday dedicated to it, less than 60 percent of Americans have a life insurance policy in place, and 1 in 5 of those people admit that they don’t have enough. Whether you are underinsured or part of the 40% who have no insurance at all, one thing is certain – 100% of us need life insurance protection. So what’s stopping you from getting this vital coverage?</p>
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<h2 class="FormHeaderText__heading align-self-center text-sm-center text-md-center text-lg-left text-center" style="line-height: 3rem; margin: 3rem 0px; text-align: left;">&#8220;<strong>Term life insurance is a necessary investment for anyone who wants a bright financial future.</strong>&#8220;<i> &#8211; Dave Ramsey</i></h2>
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<p>For some, it’s simply not knowing enough about the product to make an informed decision about purchasing it. For instance, the first question most people ask is “how much life insurance do I actually need?” Dave Ramsey recommends that you choose a face amount – the amount of benefit that would go to your family if you pass away – that is 10-12 times your annual income. This ensures your family has enough financial support to help them move forward, cover any bills and debts, and prepare for their future.</p>
<p>Another common misunderstanding about life insurance policies is the difference between term life insurance versus whole (also known as permanent or cash value) life insurance. The most affordable type of life insurance plan (and the only type that Dave recommends) is term life. Term life insurance provides you with coverage for a specific amount of time, usually between 10 and 30 years. This option is more affordable because it is not worth anything unless you were to die during the course of the term, at which point your beneficiary would receive the tax-free proceeds of your policy. Once the term period is over, you are no longer covered by life insurance unless you purchase a new term policy.</p>
<p>Whole life insurance – as the name implies – lasts for your whole life. The premiums on these policies tend to be significantly more expensive than those of term life insurance because you are accumulating a cash value in addition to your death benefit, which is similar to an investment-type product. Often, these premiums can be 6-20 times more expensive than their term life counterparts, and the rate of return on the investments is not good. Because of the high cost of whole life insurance, obtaining 10-12 times your income is typically not an affordable option, so many people buy lower-value policies than what they need and therefore cannot provide their families with the level of protection that they deserve.</p>
<p>As a society, we are strained by debt and struggling to balance our finances and responsibilities. It is possible, however, to establish an emergency fund, get out of debt, and seek out high-quality investment opportunities to build wealth while making sure your family is taken care of. Term life insurance helps make these goals attainable with protection that is low in cost and high in value.</p>
<p>One of the greatest gifts you can give your loved ones is security for the future. Don’t be a part of the 50 million American families who are either uninsured or underinsured. You are not in this alone – at Zander Insurance, it’s our mission to protect families – and we’re here to help you do just that. Give us a call at 1-800-356-4282 to talk through your options or visit the link below to get your free, instant quote.</p>


Read about the history of Life Insurance Day from Zander Insurance and why it is so important to have it to protect your families.

The History Of Life Insurance Day | Zander Insurance

History of Life Insurance

<p><img decoding="async" loading="lazy" class="alignnone size-full wp-image-3130" src="https://static.zanderins.com/wp-content/uploads/2022/05/07183113/12-3.png" alt="" width="1110" height="411" srcset="https://static.zanderins.com/wp-content/uploads/2022/05/07183113/12-3.png 1110w, https://static.zanderins.com/wp-content/uploads/2022/05/07183113/12-3-300x111.png 300w, https://static.zanderins.com/wp-content/uploads/2022/05/07183113/12-3-1024x379.png 1024w, https://static.zanderins.com/wp-content/uploads/2022/05/07183113/12-3-768x284.png 768w" sizes="(max-width: 1110px) 100vw, 1110px" /></p>
<p><em>Updated with new information on May 27, 2020.</em></p>
<p>If you already have life insurance, you are covered – a company cannot make changes to a policy that is already active. If you do not currently have coverage, however, your application may be affected. Here’s what you need to know:</p>
<h3>If you’re covered – you’re covered.</h3>
<p>If you already have <a href="https://www.zanderins.com/term-life-insurance/instant-quotes">term life insurance</a>, you can continue to rest easy knowing you have nothing to worry about. Your active policy is secure and will remain unchanged.</p>
<h3>Your safety is our priority.</h3>
<p>If you utilize Zander for your life insurance, your exam will be completed by a third-party paramedical exam company, which is closely following CDC guidelines to ensure the protection of their staff and clients during the pandemic. Exam staff will be conducting appointments and testing as usual during this time, with additional emphasis on hand-washing and other precautionary measures.</p>
<h3>Age restrictions may apply.</h3>
<p>As insurance companies remain unsure of the full effects of this virus, some have implemented age limits for those applying for life insurance. It&#8217;s typically cheaper the earlier you buy, so it&#8217;s always a good idea to take of this sooner rather than later, but <em>especially</em> in this situation.</p>
<h3>Travel to certain countries may have an impact.</h3>
<p>If you have recently traveled (or plan to travel) abroad, be specific about your travel history or plans on your application. This question is always on the application, so don’t worry that this will prevent you from obtaining coverage. But if you have traveled to high-infection areas like China, South Korea, Iran, or Italy to other Level 3 countries as noted on the CDC website (this list changing as developments occur), your application may be postponed for a brief time period. Otherwise, at this time, we have not seen any other changes in eligibility or rates from insurance companies.</p>
<h3>Policies vary by insurer.</h3>
<p>Keep in mind that each insurance company is handling the pandemic differently. It is important now, more than ever, to shop around to make sure the company you choose meets your needs. That’s our role, to help. Our Guides are familiar with each company’s policies and can help you find the one that best fits your individual situation.</p>
<h3>Don’t wait until the crisis is over to get insured.</h3>
<p>It is <em>especially </em>important to make sure your family is protected during a health crisis. Unless your health has been adversely affected (or may have been affected by travel to certain regions) you likely won’t have your application affected. In short – apply as soon as possible.</p>
<p>As always, we are committed to protecting your family, and are here to serve you. Our team is prepared to answer any questions you may have and help you get the coverage you need. Please do not hesitate to reach out with any questions or concerns during this time.</p>


If you're wondering how will COVID-19 affect your life insurance coverage or buying life insurance, Zander Insurance has tips for you!

How Will COVID-19 Affect Your Life Insurance Coverage

How Will COVID-19 (Coronavirus) Affect Life Insurance?

<p><img decoding="async" loading="lazy" class="alignnone size-full wp-image-3131" src="https://static.zanderins.com/wp-content/uploads/2022/05/07183117/13-2.png" alt="" width="1110" height="411" srcset="https://static.zanderins.com/wp-content/uploads/2022/05/07183117/13-2.png 1110w, https://static.zanderins.com/wp-content/uploads/2022/05/07183117/13-2-300x111.png 300w, https://static.zanderins.com/wp-content/uploads/2022/05/07183117/13-2-1024x379.png 1024w, https://static.zanderins.com/wp-content/uploads/2022/05/07183117/13-2-768x284.png 768w" sizes="(max-width: 1110px) 100vw, 1110px" /></p>
<p>Whether it’s the doctor, the dentist, or a routine car inspection, we know that to keep things running smoothly, we need to have a checkup every now and then. Unfortunately, many people don’t apply this mindset to their life insurance. The truth is – life changes, and so do our insurance needs. Is your policy keeping up?</p>
<h2><strong>Here’s the Problem <span style="color: #1077af;">(and the Solution)</span></strong></h2>
<p>1 in 5 Americans with life insurance don’t think they have enough coverage¹. If you’re one of them, it’s important that you take care of that immediately. Waiting can result in higher rates, ineligibility, and, worst-case scenario – your passing with inadequate protection for your family.</p>
<p>The reason many people don’t add coverage – even when they know they don’t have enough – is cost. Our advice? Don’t let this keep you from giving your family the protection they need. Our Guides are here to work with you (and your budget) to find the coverage you need at a great value.</p>
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<h2 class="FormHeaderText__heading align-self-center text-sm-center text-md-center text-lg-left text-center" style="line-height: 3rem; margin: 3rem 0px; text-align: left;"><span style="color: #1077af;">&#8220;Zander only offers plans that really make sense for your financial goals of getting out of debt and growing wealth.&#8221;<i> &#8211; Dave Ramsey</i></span></h2>
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<div class="col-lg-2 my-auto text-sm-center text-md-center text-lg-left text-center"><img decoding="async" class="center-block" style="margin: 2rem;" src="https://static.zanderins.com/wp-content/uploads/2019/12/18151437/Dave-Ramsey-circle.png" alt="Dave Ramsey Insurance" width="200" /></div>
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<p>Dave Ramsey recommends having 10-12 times your income in coverage, though the exact amount will depend on your personal situation. If you’re not sure if the amount you have now should be higher due to changing circumstances, give us a call at <a href="tel:18003564282">1-800-356-4282</a> to discuss your options or <a href="/term-life-insurance/instant-quotes">run an updated quote yourself.</a></p>
<p><em>¹2018 Insurance Barometer Study, Life Happens and LIMRA</em></p>


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