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Simple steps to get life insurance.

Step 1 - Calculate Your Coverage Needs

Simple steps to get life insurance.

It’s as easy as 1, 2, 3! 

Find out how much coverage you need, choose a policy term and get a price.

After using the life insurance calculator, make a note of your results and proceed to steps 2 & 3 below. If you get stuck, just call Melissa (844)514-LIFE

Step 2 - Choose A Term

How long should you lock in a policy?

The easiest way to choose is think about how long your family needs to be protected from financial hardship if you die. As time goes on, most people reduce their debt, send their kids into adulthood which means they won’t need life insurance forever. Or at least a large amount. 

Military families should look closer at their group life insurance sgli. Service members often think about separating from the military. Since you never truly know when that will occur it’s imperative to have supplemental life insurance. 

While you can convert your sgli, it has to be a whole life policy which is the most expensive plan. Active duty military can have a hard time finding affordable insurance products if they have a high risk occupation

Many term plans have conversion options that allow you to continue some or all of your coverage. This changes it to lifetime coverage which costs more. 

Although, things don’t always go as planned and everyone has a different situation. If you foresee your family carrying a mortgage later in life or have a special needs child, you should look into a longer policy option on a  permanent life insurance policy.

Most people only need term life insurance. 

You can choose policy lengths in 1, 5, 10, 15, 20, 25 and 30 years.

PRO TIP: Decide how much money you can spend every month!

This is an important step. There is no sense in shopping for a policy you cannot afford!

Buying a life insurance plan should fit nicely into your budget. After all, you want to keep it in place for your loved ones. Plus, knowing this ahead of time makes narrowing down your option much easier. 

You may find that you want to buy more(or less) coverage, add optional riders or purchase a policy for additional family members. 

Policy prices vary based on each person’s age, health and lifestyle profile as well as their coverage and plan needs. They can range from as low as $12.00 a month to $250.00 or more. This is why you need to talk with an agent verses using an online quoter. 

 

Step 3 - Shop Rates

Now that you know how much coverage you need, how long you need it and how much you can spend, it’s time to start comparing rates!

Don’t worry about having the exact coverage amount or plan length. If you are having trouble picking the amount of coverage and plan, Melissa can help!

The goal is to get close and make sure you are not buying too much or too little. You can always adjust your plan as your needs change. 

DISCLAIMER:  The best way to get an accurate price for life insurance coverage is to work with Melissa by completing this request. Online life insurance quote engines will only give you a ball park of what a policy might cost you. To get a customized rate work with an experienced agent!

Now that you know how much coverage you need, how long you need it and how much you can spend, it’s time to start comparing rates!

Don’t worry about having the exact coverage amount or plan length. If you are having trouble picking the amount of coverage and plan, Melissa can help!

The goal is to get close and make sure you are not buying too much or too little. You can always adjust your plan as your needs change. 

DISCLAIMER:  The best way to get an accurate price for life insurance coverage is to work with Melissa by completing this request. Online life insurance quote engines will only give you a ball park of what a policy might cost you. To get a customized rate work with an experienced agent!

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Services and information provided are not provided by the U.S. Military or Veterans Affairs. This site provides life insurance information and sample quotes from Insure The Heroes, Inc. an independent life insurance brokerage. Request a quote for formal life insurance estimates.