We believe in the "Buy Term & Invest The Difference" Philosophy
Representing Various Life Insurance companies.Our MoneyGuidePro® will help you know how much coverage you need.
HOW MUCH LIFE INSURANCE COVERAGE DO YOU NEED?
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Term life policies are easier to understand and more affordable than whole life insurance. A 30-year-old male, for example, may pay around$4,675 a year for whole life versus only $242-$403 a year for term life. *
This cost difference allows you to invest the saved money and/or apply it toward a debt- bringing your financial wellness plan full circle.
*The Difference Between Term and Whole Life Insurance NerdWallet, March 29, 2017.
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This is the amount of money needed to pay death expenses and settle any remaining debt.
This is the amount of money needed to cover monthly living expenses for you surviving family.
This is the amount of money needed to pay off any outstanding mortgage balance
This is the amount of money needed to pay for your child’s-or children’s-education
This is the amount of money you currently have in the form of liquid assets.
Add these amounts together, and you can get an idea of how much coverage you need. And the good news is, with term life insurance, coverage is extremely affordable-typically a fraction of what most whole life premiums are.