Buy Your Term Policy Now
Want life insurance? Want it now? Instant life insurance is available online and it is easy to get if you are healthy.
All you have to do is to go to a site that specializes in this and buy your policy.
You answer a few health questions and off you go.
You can do this if you already know how much you want to buy. Not too sure how much to get?
The solution to that is also easy to get as well. You use a life insurance needs calculator to find out how much you need.
There are some simple calculators available and there are others which are quite complex to use.
They all seem to come up with the same amount of need though. Go find out what your need is and come back here.
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Instant Life Insurance
Okay, now you know how much you need and you have a feel of how long you need to keep your coverage.
You know, you need sufficient coverage to guarantee that your youngest child graduates college.
All you do to decide this is to count the years from that child’s age at present to the age you expect that child to graduates.
If the total is 15 then you need to buy a 15 year term policy. If it is 20 year then buy a 20 year term.
But wait a minute, what about your spouse?
Does s/he work outside the home or does this person do the more important job of managing the home and raising the children.
If your spouse does not work outside the home don’t you think it would be a good idea to guarantee that your income continue after your death?
You would therefore need to guarantee that your policy lasts longer than 20 years.
You need a permanent life insurance policy or a term policy that is guaranteed renewable so that your coverage can continue for as long as you wish.