<p><img loading="lazy" decoding="async" class="alignnone size-full wp-image-3549" src="https://static.zanderins.com/wp-content/uploads/2024/11/27181754/Can-I-Have-Multiple-Life-Insurance-Policies-at-the-Same-Time-1.png" alt="" width="1110" height="411" srcset="https://static.zanderins.com/wp-content/uploads/2024/11/27181754/Can-I-Have-Multiple-Life-Insurance-Policies-at-the-Same-Time-1.png 1110w, https://static.zanderins.com/wp-content/uploads/2024/11/27181754/Can-I-Have-Multiple-Life-Insurance-Policies-at-the-Same-Time-1-300x111.png 300w, https://static.zanderins.com/wp-content/uploads/2024/11/27181754/Can-I-Have-Multiple-Life-Insurance-Policies-at-the-Same-Time-1-1024x379.png 1024w, https://static.zanderins.com/wp-content/uploads/2024/11/27181754/Can-I-Have-Multiple-Life-Insurance-Policies-at-the-Same-Time-1-768x284.png 768w" sizes="auto, (max-width: 1110px) 100vw, 1110px" /></p>
<p>Yes, you can. However, it is important to understand that the total amount of coverage that you have in place or are applying for must be justifiable based on your income and net worth. If you already have a significant amount of insurance in place and apply for another policy, the insurance company could limit the amount for which you are approved in order to keep you from being over insured. Remember, <a href="https://www.zanderins.com/blog/how-much" target="_blank" rel="noopener">Dave recommends</a> having 10-12 times your annual income in term life coverage, whether it is in one policy or split between multiple policies.</p>


Yes, you can. However, it is important to understand that the total amount of coverage that you have in place or are applying for must be justifiable based on your income and net worth. If you already have a significant amount of insurance in place and apply for another policy, the insurance company could limit [&hellip;]


Can I Have Multiple Life Insurance Policies at the Same Time?

<p><img loading="lazy" decoding="async" class="alignnone size-full wp-image-3550" src="https://static.zanderins.com/wp-content/uploads/2024/11/27181757/Do-I-Base-the-Amount-of-Life-Insurance-I-Get-on-My-Gross-or-Net-Income-1.png" alt="" width="1110" height="411" srcset="https://static.zanderins.com/wp-content/uploads/2024/11/27181757/Do-I-Base-the-Amount-of-Life-Insurance-I-Get-on-My-Gross-or-Net-Income-1.png 1110w, https://static.zanderins.com/wp-content/uploads/2024/11/27181757/Do-I-Base-the-Amount-of-Life-Insurance-I-Get-on-My-Gross-or-Net-Income-1-300x111.png 300w, https://static.zanderins.com/wp-content/uploads/2024/11/27181757/Do-I-Base-the-Amount-of-Life-Insurance-I-Get-on-My-Gross-or-Net-Income-1-1024x379.png 1024w, https://static.zanderins.com/wp-content/uploads/2024/11/27181757/Do-I-Base-the-Amount-of-Life-Insurance-I-Get-on-My-Gross-or-Net-Income-1-768x284.png 768w" sizes="auto, (max-width: 1110px) 100vw, 1110px" /></p>
<p>When Dave recommends that families carry 10 to 12 times their income in term life insurance protection, he is referring to <strong>gross annual</strong> <strong>income</strong>.  The reason is that, although the death benefit of a life insurance policy is received tax free, once those funds are invested to generate an income for the surviving family members those earnings will still be taxed as a form of income, reducing their overall purchasing power.</p>
<p>The amount of tax may vary from based on earned or unearned income but, with taxes expected to stay level or increase over time (and factoring in the overall low cost of term life insurance), the best approach is to insure to the gross value.</p>


When Dave recommends that families carry 10 to 12 times their income in term life insurance protection, he is referring to gross annual income.  The reason is that, although the death benefit of a life insurance policy is received tax free, once those funds are invested to generate an income for the surviving family members [&hellip;]


Do I Base the Amount of Life Insurance I Get on My Gross or Net Income?

<p><img loading="lazy" decoding="async" class="alignnone size-full wp-image-3551" src="https://static.zanderins.com/wp-content/uploads/2024/11/27181802/Does-Dave-Recommend-Waiver-of-Premium-Riders-1.png" alt="" width="1110" height="411" srcset="https://static.zanderins.com/wp-content/uploads/2024/11/27181802/Does-Dave-Recommend-Waiver-of-Premium-Riders-1.png 1110w, https://static.zanderins.com/wp-content/uploads/2024/11/27181802/Does-Dave-Recommend-Waiver-of-Premium-Riders-1-300x111.png 300w, https://static.zanderins.com/wp-content/uploads/2024/11/27181802/Does-Dave-Recommend-Waiver-of-Premium-Riders-1-1024x379.png 1024w, https://static.zanderins.com/wp-content/uploads/2024/11/27181802/Does-Dave-Recommend-Waiver-of-Premium-Riders-1-768x284.png 768w" sizes="auto, (max-width: 1110px) 100vw, 1110px" /></p>
<p>&nbsp;</p>
<p>Dave Ramsey does not recommend purchasing “waiver of premium” riders. As a percentage of cost, the rider is an overpriced add-on that makes the insurance company a lot of money and rarely benefits the client. A waiver of premium rider states that you do not have to pay the premium if you become disabled. However, the definition of “disability” is so strict that very few people actually qualify. In addition, term life insurance rates are typically very low and can be funded by your emergency fund if you have short-term income issues, then through your <a href="https://www.zanderins.com/disability-insurance/instant-quotes" target="_blank" rel="noopener">long-term disability insurance</a> if loss of income due to disability continues for a longer period.</p>


&nbsp; Dave Ramsey does not recommend purchasing “waiver of premium” riders. As a percentage of cost, the rider is an overpriced add-on that makes the insurance company a lot of money and rarely benefits the client. A waiver of premium rider states that you do not have to pay the premium if you become disabled. [&hellip;]


Does Dave Recommend Waiver of Premium Riders?

<p><img loading="lazy" decoding="async" class="alignnone size-full wp-image-3552" src="https://static.zanderins.com/wp-content/uploads/2024/11/27181805/How-Long-Do-I-Need-to-Be-a-Non-Smoker-to-Qualify-for-Better-Rates-1.png" alt="" width="1110" height="411" srcset="https://static.zanderins.com/wp-content/uploads/2024/11/27181805/How-Long-Do-I-Need-to-Be-a-Non-Smoker-to-Qualify-for-Better-Rates-1.png 1110w, https://static.zanderins.com/wp-content/uploads/2024/11/27181805/How-Long-Do-I-Need-to-Be-a-Non-Smoker-to-Qualify-for-Better-Rates-1-300x111.png 300w, https://static.zanderins.com/wp-content/uploads/2024/11/27181805/How-Long-Do-I-Need-to-Be-a-Non-Smoker-to-Qualify-for-Better-Rates-1-1024x379.png 1024w, https://static.zanderins.com/wp-content/uploads/2024/11/27181805/How-Long-Do-I-Need-to-Be-a-Non-Smoker-to-Qualify-for-Better-Rates-1-768x284.png 768w" sizes="auto, (max-width: 1110px) 100vw, 1110px" /></p>
<p>Insurance companies typically only require that you be tobacco-free for 12 months before offering a non-tobacco rate. This is not their lowest Preferred Plus rate, but still represents a strong savings as compared to the smoker rates. If you have not gone a full year tobacco-free, it really depends on the time you have left to reach this accomplishment. Dave still recommends buying the longer term period, which is more expensive, but just for the one year. It locks in your rate at a younger age and is still beneficial in the event you do not complete the entire 12-month period. If at 12 months you are tobacco-free, you can apply for a new non-smoker plan and benefit from the lower rates. At the three-year point, you are eligible for the Preferred Plus health class (lowest rate), if you would otherwise qualify for it . Dave’s primary advice is that you get what your family needs <em>now</em> since we can’t predict the future, and then adjust as things improve. You can <a href="https://www.zanderins.com/term-life-insurance/instant-quotes" target="_blank" rel="noopener">compare term life insurance rates online</a> or call us toll free at 1-800-356-4282 for personal assistance.</p>


Insurance companies typically only require that you be tobacco-free for 12 months before offering a non-tobacco rate. This is not their lowest Preferred Plus rate, but still represents a strong savings as compared to the smoker rates. If you have not gone a full year tobacco-free, it really depends on the time you have left [&hellip;]


How Long Do I Need to Be a Non-Smoker to Qualify for Better Rates?


<p><img loading="lazy" decoding="async" class="alignnone size-full wp-image-3553" src="https://static.zanderins.com/wp-content/uploads/2024/11/27181808/Is-A-Medical-Exam-Required-to-Get-Term-Life-Insurance-1.png" alt="" width="1110" height="411" srcset="https://static.zanderins.com/wp-content/uploads/2024/11/27181808/Is-A-Medical-Exam-Required-to-Get-Term-Life-Insurance-1.png 1110w, https://static.zanderins.com/wp-content/uploads/2024/11/27181808/Is-A-Medical-Exam-Required-to-Get-Term-Life-Insurance-1-300x111.png 300w, https://static.zanderins.com/wp-content/uploads/2024/11/27181808/Is-A-Medical-Exam-Required-to-Get-Term-Life-Insurance-1-1024x379.png 1024w, https://static.zanderins.com/wp-content/uploads/2024/11/27181808/Is-A-Medical-Exam-Required-to-Get-Term-Life-Insurance-1-768x284.png 768w" sizes="auto, (max-width: 1110px) 100vw, 1110px" /> Exam-free policy options are more prevalent now than ever before and can be just as affordable as exam-required coverage! However, applying without an exam is dependent on the insurance company with which you apply and can be limited by the amount of coverage you select, your age, and your current health status.</p>



<p>Dave recommends 10-12 times your income in life insurance coverage so, if you need more than what is allowable to go exam-free, you may need to opt for a policy with the traditional exam.  He does not recommend paying more to avoid the exam unless the price difference is minimal or there are other reasons to incur a higher cost over the time frame of the policy.</p>



<p>You can easily find out if an exam-free policy are available to you by visiting <a href="https://www.zanderins.com/term-life-insurance/instant-quotes"><strong>our website</strong></a>. Once you complete the quick online quote, the companies offering an exam-free option will be clearly designated in your results. You are also welcome to give us a call at 800-356-4282 and let one of our agents help you find the best option for your needs!</p>



<p>Getting life insurance without an exam is easier than ever, and we look forward to helping you learn about these options to help keep your life simple and protected.</p>


Exam-free policy options are more prevalent now than ever before and can be just as affordable as exam-required coverage! However, applying without an exam is dependent on the insurance company with which you apply and can be limited by the amount of coverage you select, your age, and your current health status. Dave recommends 10-12 [&hellip;]


Is A Medical Exam Required to Get Term Life Insurance?

<p><img loading="lazy" decoding="async" class="alignnone size-full wp-image-3554" src="https://static.zanderins.com/wp-content/uploads/2024/11/27181811/Is-There-a-Benefit-to-Having-Policies-with-Different-Term-Lengths-1.png" alt="" width="1110" height="411" srcset="https://static.zanderins.com/wp-content/uploads/2024/11/27181811/Is-There-a-Benefit-to-Having-Policies-with-Different-Term-Lengths-1.png 1110w, https://static.zanderins.com/wp-content/uploads/2024/11/27181811/Is-There-a-Benefit-to-Having-Policies-with-Different-Term-Lengths-1-300x111.png 300w, https://static.zanderins.com/wp-content/uploads/2024/11/27181811/Is-There-a-Benefit-to-Having-Policies-with-Different-Term-Lengths-1-1024x379.png 1024w, https://static.zanderins.com/wp-content/uploads/2024/11/27181811/Is-There-a-Benefit-to-Having-Policies-with-Different-Term-Lengths-1-768x284.png 768w" sizes="auto, (max-width: 1110px) 100vw, 1110px" /></p>
<p>“Laddering” policies is a common strategy, as many people anticipate needing less life insurance as they get older and are further along in their debt-free journey. This is where the Insured staggers policies at varying term lengths to cover specific needs, and is especially helpful if you have major financial obligations that end at different times. The face amount for each policy would reflect the amount of money needed to pay off a specific obligation. For instance, an Insured may have one 15-year policy to cover their mortgage, and a 20 or 30-year policy related to other needs such as income replacement until retirement and education expenses for their children.<br />
An additional benefit to laddering policies is the potential cost savings over buying one long-term policy with a high amount of coverage, as shorter term periods result in lower premiums.</p>


“Laddering” policies is a common strategy, as many people anticipate needing less life insurance as they get older and are further along in their debt-free journey. This is where the Insured staggers policies at varying term lengths to cover specific needs, and is especially helpful if you have major financial obligations that end at different [&hellip;]


Is There a Benefit to Having Policies with Different Term Lengths?

<p><img loading="lazy" decoding="async" class="alignnone size-full wp-image-3555" src="https://static.zanderins.com/wp-content/uploads/2024/11/27181814/My-Term-Life-Policy-Expires-Soon-but-I-Still-Need-Coverage.-What-Do-I-Do-1.png" alt="" width="1110" height="411" srcset="https://static.zanderins.com/wp-content/uploads/2024/11/27181814/My-Term-Life-Policy-Expires-Soon-but-I-Still-Need-Coverage.-What-Do-I-Do-1.png 1110w, https://static.zanderins.com/wp-content/uploads/2024/11/27181814/My-Term-Life-Policy-Expires-Soon-but-I-Still-Need-Coverage.-What-Do-I-Do-1-300x111.png 300w, https://static.zanderins.com/wp-content/uploads/2024/11/27181814/My-Term-Life-Policy-Expires-Soon-but-I-Still-Need-Coverage.-What-Do-I-Do-1-1024x379.png 1024w, https://static.zanderins.com/wp-content/uploads/2024/11/27181814/My-Term-Life-Policy-Expires-Soon-but-I-Still-Need-Coverage.-What-Do-I-Do-1-768x284.png 768w" sizes="auto, (max-width: 1110px) 100vw, 1110px" /></p>
<p>If the amount of coverage you have right now is appropriate but you know you will need it past the expiration of your current plan, then Dave’s recommendation is to get a new policy now to lock in rates into the future and assure that you don’t lose eligibility (or have to pay a higher price) by waiting, due to a health condition or other issue arising. In some cases, you can keep the existing plan and only buy a smaller amount of coverage for the future if certain risk concerns are alleviated before the expiration of the existing term policy. If your mortgage is paid off, education expenses are no longer an issue, and you’ve increased your savings – these all help reduce one’s need for term life insurance. In that case, keeping an older, less expensive policy until its expiration can reduce your overall costs. But still <a href="https://www.zanderins.com/term-life-insurance/instant-quotes" target="_blank" rel="noopener">buy a new plan</a> now for any needs past the old policy’s expiration.</p>
<p>However, if your need for protection is more than the amount you currently have, or extends past the level guaranteed expiration period, then buying an entirely new policy now for the total amount you need, is the most advisable path to avoid high costs in the future.</p>


If the amount of coverage you have right now is appropriate but you know you will need it past the expiration of your current plan, then Dave’s recommendation is to get a new policy now to lock in rates into the future and assure that you don’t lose eligibility (or have to pay a higher [&hellip;]


My Term Life Policy Expires Soon but I Still Need Coverage. What Do I Do?

<p><img loading="lazy" decoding="async" class="alignnone size-full wp-image-3556" src="https://static.zanderins.com/wp-content/uploads/2024/11/27181818/Purchasing-Life-Insurance-for-a-Dependent-with-Special-Needs-1.png" alt="" width="1110" height="411" srcset="https://static.zanderins.com/wp-content/uploads/2024/11/27181818/Purchasing-Life-Insurance-for-a-Dependent-with-Special-Needs-1.png 1110w, https://static.zanderins.com/wp-content/uploads/2024/11/27181818/Purchasing-Life-Insurance-for-a-Dependent-with-Special-Needs-1-300x111.png 300w, https://static.zanderins.com/wp-content/uploads/2024/11/27181818/Purchasing-Life-Insurance-for-a-Dependent-with-Special-Needs-1-1024x379.png 1024w, https://static.zanderins.com/wp-content/uploads/2024/11/27181818/Purchasing-Life-Insurance-for-a-Dependent-with-Special-Needs-1-768x284.png 768w" sizes="auto, (max-width: 1110px) 100vw, 1110px" /></p>
<p>Many families with special needs dependents consider using term life insurance in conjunction with a special needs trust. The special needs trust would be, in many cases, established by your will, funded initially by a term life policy. There is sometimes an argument of whether to buy a term life policy or cash value life insurance, and Dave still feels that term life is the only way to go. The basic premise for cash value plans is that you will need life insurance your whole life, so the plans overcharge you in the early years to pay the higher costs in the later years. Dave&#8217;s opinion is that, if you buy term life insurance, you avoid this overpayment period and use the savings to attack debt and to build savings. With 15 or 20-year level term insurance you have time to eliminate your debt and grow your savings, so you no longer need life insurance.</p>
<p>&nbsp;</p>
<p>Determining the amount of coverage would be similar to the regular process he discusses; in that you need to measure the amount of funds that would be needed to support your dependent per year and then multiply that amount (typically by 10) to represent the amount of coverage to purchase.  For example, if they needed $30k a year to maintain their assistance and address future needs, then an amount of $300k in life insurance (which invested at 10%) would generate those needed funds.  Some people utilize a lower interest rate return, which would increase the multiple of used.  Since Term life is so much cheaper than a cash value plan you would be investing/savings the difference for the 20 or 30 year period of the life insurance so, at the policy expiry, the savings is now used to address their ongoing needs.</p>


Many families with special needs dependents consider using term life insurance in conjunction with a special needs trust. The special needs trust would be, in many cases, established by your will, funded initially by a term life policy. There is sometimes an argument of whether to buy a term life policy or cash value life [&hellip;]


Purchasing Life Insurance for a Dependent with Special Needs

<p><img loading="lazy" decoding="async" class="alignnone size-full wp-image-3557" src="https://static.zanderins.com/wp-content/uploads/2024/11/27181821/Should-I-Keep-My-Cash-Value-Plan-if-I-Wouldnt-Save-Money-by-Switching-to-a-Term-Policy-1.png" alt="" width="1110" height="411" srcset="https://static.zanderins.com/wp-content/uploads/2024/11/27181821/Should-I-Keep-My-Cash-Value-Plan-if-I-Wouldnt-Save-Money-by-Switching-to-a-Term-Policy-1.png 1110w, https://static.zanderins.com/wp-content/uploads/2024/11/27181821/Should-I-Keep-My-Cash-Value-Plan-if-I-Wouldnt-Save-Money-by-Switching-to-a-Term-Policy-1-300x111.png 300w, https://static.zanderins.com/wp-content/uploads/2024/11/27181821/Should-I-Keep-My-Cash-Value-Plan-if-I-Wouldnt-Save-Money-by-Switching-to-a-Term-Policy-1-1024x379.png 1024w, https://static.zanderins.com/wp-content/uploads/2024/11/27181821/Should-I-Keep-My-Cash-Value-Plan-if-I-Wouldnt-Save-Money-by-Switching-to-a-Term-Policy-1-768x284.png 768w" sizes="auto, (max-width: 1110px) 100vw, 1110px" /></p>
<p>If you would not save money by switching to a term life policy, we generally advise keeping your existing plan and factoring those expenses into your budget. You should, however, make sure your current plan is not underperforming (i.e. the dividends or interest are not keeping up with the increasing costs of insurance as you get older). If that is the case, then eventually you will have paid more for the existing policy than it is worth. You can also request an “in-force ledger” from your current insurance company, which will project the life of the policy at the current premium paid and the interest rate/dividends being paid to make sure the policy does not falter in the future.</p>
<p>Remember that as you pay down debt and increase your savings, your need for life insurance decreases, meaning you can slowly reduce the amount of cash value life insurance you have, then redirect those funds to better investments.</p>
<p>Not sure if you’d save by switching to a term life policy? <a href="https://www.zanderins.com/term-life-insurance/instant-quotes" target="_blank" rel="noopener">Compare quotes for free on our website.</a></p>


If you would not save money by switching to a term life policy, we generally advise keeping your existing plan and factoring those expenses into your budget. You should, however, make sure your current plan is not underperforming (i.e. the dividends or interest are not keeping up with the increasing costs of insurance as you [&hellip;]


Should I Keep My Cash Value Plan if I Wouldn’t Save Money by Switching to a Term Policy?

<p><img loading="lazy" decoding="async" class="alignnone size-full wp-image-3558" src="https://static.zanderins.com/wp-content/uploads/2024/11/27181824/Should-I-Keep-My-Cash-Value-Policy-If-It-Is-Paid-Up-1.png" alt="" width="1110" height="411" srcset="https://static.zanderins.com/wp-content/uploads/2024/11/27181824/Should-I-Keep-My-Cash-Value-Policy-If-It-Is-Paid-Up-1.png 1110w, https://static.zanderins.com/wp-content/uploads/2024/11/27181824/Should-I-Keep-My-Cash-Value-Policy-If-It-Is-Paid-Up-1-300x111.png 300w, https://static.zanderins.com/wp-content/uploads/2024/11/27181824/Should-I-Keep-My-Cash-Value-Policy-If-It-Is-Paid-Up-1-1024x379.png 1024w, https://static.zanderins.com/wp-content/uploads/2024/11/27181824/Should-I-Keep-My-Cash-Value-Policy-If-It-Is-Paid-Up-1-768x284.png 768w" sizes="auto, (max-width: 1110px) 100vw, 1110px" /></p>
<p>Dave never recommends keeping a cash value policy, regardless of how long or short you have had it, unless you are unable to qualify for a new <a href="https://www.zanderins.com/term-life-insurance/instant-quotes" target="_blank" rel="noopener">competitively priced term life policy</a>. However, you should never cancel an existing plan until you have received the new policy and reviewed it to make sure it meets your specific needs. Most people don’t realize there is still a cost to paid-up policies in that you are paying a higher price for the cost of insurance and administrative fees than a term life policy. That means you are receiving a poor rate of return on money that could be used to pay down debt or be invested more wisely.</p>
<p>The basic premise for cash value plans is that you will need life insurance your whole life (hence the name “whole life” insurance). This means that you are overcharged in the early years to cover the higher costs in the later years. Dave’s opinion is that if you buy term life insurance, you avoid this over-payment period entirely, leaving you free to use your money instead to attack debt and increase your savings. With a 15 or 20-year level term policy, you have time to reach the point in your financial journey at which you no longer need life insurance.</p>
<p>The cash value in your plan is available to you subject to the surrender penalties of the policy. These surrender charges decrease over each year you have had the plan and typically are gone after 10-15 years. Dave would typically recommend using the remaining cash value to intensify your debt reduction efforts, help establish your emergency fund, and take advantage of better investment options.  Wherever you are in the Baby Steps is where you should focus this money. Whether your debt is related to mortgage, school, health expenses, or something else, Dave’s Baby Steps address how you should prioritize your existing savings. It just doesn’t make sense to maintain a savings plan of any kind at a poor rate of return while paying out higher expenses for credit card and other debt instead of addressing more important financial objectives. Oftentimes, companies try to dissuade you from cancelling your cash value policy by implying that you will face serious tax consequences if you do. It is uncommon for a tax to be due, however. In the rare cases when you may owe taxes, it is based only on the refund you receive that is in excess of your paid premium, although you will need to include any dividends you received during the term in addition to the cash value. Regardless of the tax situation, Dave recommends cancelling your cash value policy and opting for term life instead (but don’t cancel until your new policy is active).</p>


Dave never recommends keeping a cash value policy, regardless of how long or short you have had it, unless you are unable to qualify for a new competitively priced term life policy. However, you should never cancel an existing plan until you have received the new policy and reviewed it to make sure it meets [&hellip;]


Should I Keep My Cash Value Policy If It Is Paid Up?

<p><img loading="lazy" decoding="async" class="alignnone size-full wp-image-3559" src="https://static.zanderins.com/wp-content/uploads/2024/11/27181827/Should-I-Use-Life-Insurance-to-Leave-an-Inheritance-1.png" alt="" width="1110" height="411" srcset="https://static.zanderins.com/wp-content/uploads/2024/11/27181827/Should-I-Use-Life-Insurance-to-Leave-an-Inheritance-1.png 1110w, https://static.zanderins.com/wp-content/uploads/2024/11/27181827/Should-I-Use-Life-Insurance-to-Leave-an-Inheritance-1-300x111.png 300w, https://static.zanderins.com/wp-content/uploads/2024/11/27181827/Should-I-Use-Life-Insurance-to-Leave-an-Inheritance-1-1024x379.png 1024w, https://static.zanderins.com/wp-content/uploads/2024/11/27181827/Should-I-Use-Life-Insurance-to-Leave-an-Inheritance-1-768x284.png 768w" sizes="auto, (max-width: 1110px) 100vw, 1110px" /></p>
<p>Dave does not recommend using life insurance strictly for financial inheritance purposes. Life insurance should be used to address any debts you may have upon your death, and to replace your lost income so that your family can maintain their financial lifestyle.</p>
<p>This is because, with term life policies, you can outlive the coverage, meaning you spent dollars on a goal that may not even be accomplished. And with cash-value plans – such as whole, universal, and variable life policies – they are overpriced, poorly designed programs, and are a lousy long-term investment even while you are alive, let alone as an inheritance tool.</p>
<p>Dave’s advice is to get out of debt and grow your savings in order to leave an inheritance, using much smarter methods than a life insurance policy. With this approach, you can give like no one else while you’re living, then leave the remainder to your family as a debt-free, investment-rich estate upon your death.</p>


Dave does not recommend using life insurance strictly for financial inheritance purposes. Life insurance should be used to address any debts you may have upon your death, and to replace your lost income so that your family can maintain their financial lifestyle. This is because, with term life policies, you can outlive the coverage, meaning [&hellip;]


Should I Use Life Insurance to Leave an Inheritance?

<p><img loading="lazy" decoding="async" class="alignnone size-full wp-image-3547" src="https://static.zanderins.com/wp-content/uploads/2024/11/27181745/What-is-the-Difference-Between-the-Health-Classes-Listed-on-Your-Site-1.png" alt="" width="1110" height="411" srcset="https://static.zanderins.com/wp-content/uploads/2024/11/27181745/What-is-the-Difference-Between-the-Health-Classes-Listed-on-Your-Site-1.png 1110w, https://static.zanderins.com/wp-content/uploads/2024/11/27181745/What-is-the-Difference-Between-the-Health-Classes-Listed-on-Your-Site-1-300x111.png 300w, https://static.zanderins.com/wp-content/uploads/2024/11/27181745/What-is-the-Difference-Between-the-Health-Classes-Listed-on-Your-Site-1-1024x379.png 1024w, https://static.zanderins.com/wp-content/uploads/2024/11/27181745/What-is-the-Difference-Between-the-Health-Classes-Listed-on-Your-Site-1-768x284.png 768w" sizes="auto, (max-width: 1110px) 100vw, 1110px" /></p>
<p>The health classes listed on our website &#8211; Preferred Plus, Preferred, Standard Plus and Standard &#8211; are the top four (and most common) rate classes that a company assigns to individual policyholders, which determine the rate an applicant pays for their term life insurance policy.  The rate classification to which you are assigned is based on many factors, including your medical history, occupation, tobacco use, avocations (such as skydiving, scuba, etc.) and other criteria that insurance companies use to measure the risk you represent going forward, and thereby the rate they will charge for the protection. Our Zander Guides can help you determine which health class fits your specific situation, but it is important to know that the final decision on how you will be classified is made by the underwriter at the insurance company.  You can visit our <a href="https://afaws.zanderins.com/agentfront/mycases/quick_profile.php?mid=3&amp;pid=8&amp;id=3775870&amp;uid=15&amp;rid=&amp;msg=1https://www.zanderins.com/term-life-insurance/instant-quotes" target="_blank" rel="noopener">term life quote page</a> and click on the “i” next to the rate class designations to see the specific criteria the companies typically use in this process.</p>


The health classes listed on our website &#8211; Preferred Plus, Preferred, Standard Plus and Standard &#8211; are the top four (and most common) rate classes that a company assigns to individual policyholders, which determine the rate an applicant pays for their term life insurance policy.  The rate classification to which you are assigned is based [&hellip;]


What is the Difference Between the Health Classes Listed on Your Site?

<p><img loading="lazy" decoding="async" class="alignnone size-full wp-image-3541" src="https://static.zanderins.com/wp-content/uploads/2024/11/27181724/Should-I-Activate-Zanders-Ultra-Antivirus-Feature-if-I-Already-Have-Antivirus-Software-1.png" alt="" width="1110" height="411" srcset="https://static.zanderins.com/wp-content/uploads/2024/11/27181724/Should-I-Activate-Zanders-Ultra-Antivirus-Feature-if-I-Already-Have-Antivirus-Software-1.png 1110w, https://static.zanderins.com/wp-content/uploads/2024/11/27181724/Should-I-Activate-Zanders-Ultra-Antivirus-Feature-if-I-Already-Have-Antivirus-Software-1-300x111.png 300w, https://static.zanderins.com/wp-content/uploads/2024/11/27181724/Should-I-Activate-Zanders-Ultra-Antivirus-Feature-if-I-Already-Have-Antivirus-Software-1-1024x379.png 1024w, https://static.zanderins.com/wp-content/uploads/2024/11/27181724/Should-I-Activate-Zanders-Ultra-Antivirus-Feature-if-I-Already-Have-Antivirus-Software-1-768x284.png 768w" sizes="auto, (max-width: 1110px) 100vw, 1110px" /></p>
<p>No, there is no need to have two antivirus programs on any device. If you are already using a different antivirus software and you are happy with its functionality, you can still upgrade to the Elite plan and take advantage of the other features of the product like the UltraVPN, Credit Lock, and Financial Account Takeover monitoring.</p>
<p>If you do opt to utilize the Ultra Antivirus feature of your Elite ID theft protection plan from Zander, any existing antivirus programs (such as Norton or Windows Defender) should be uninstalled prior to downloading Ultra Antivirus. Having multiple antivirus programs on a device may cause problems during installation and result in less-than-optimal performance on your device(s).</p>


No, there is no need to have two antivirus programs on any device. If you are already using a different antivirus software and you are happy with its functionality, you can still upgrade to the Elite plan and take advantage of the other features of the product like the UltraVPN, Credit Lock, and Financial Account [&hellip;]


Should I Activate Zander&#8217;s Ultra Antivirus Feature if I Already Have Antivirus Software?

<p><img loading="lazy" decoding="async" class="alignnone size-full wp-image-3544" src="https://static.zanderins.com/wp-content/uploads/2024/11/27181735/To-What-Age-are-Children-Covered-on-Zanders-ID-Theft-Plan-1.png" alt="" width="1110" height="411" srcset="https://static.zanderins.com/wp-content/uploads/2024/11/27181735/To-What-Age-are-Children-Covered-on-Zanders-ID-Theft-Plan-1.png 1110w, https://static.zanderins.com/wp-content/uploads/2024/11/27181735/To-What-Age-are-Children-Covered-on-Zanders-ID-Theft-Plan-1-300x111.png 300w, https://static.zanderins.com/wp-content/uploads/2024/11/27181735/To-What-Age-are-Children-Covered-on-Zanders-ID-Theft-Plan-1-1024x379.png 1024w, https://static.zanderins.com/wp-content/uploads/2024/11/27181735/To-What-Age-are-Children-Covered-on-Zanders-ID-Theft-Plan-1-768x284.png 768w" sizes="auto, (max-width: 1110px) 100vw, 1110px" /></p>
<p>Minor children (under age 18) who are added to a <a href="https://www.zanderins.com/identity-theft-protection" target="_blank" rel="noopener">Zander ID Theft Solutions Family Plan</a> receive the full breadth of services available under the program. Dependents 18 and over who live in the primary member’s household are not eligible to utilize monitoring services, but would still receive restoration, reimbursement, and lost wallet protection regardless of their age. This includes dependents with documented disabilities who have the same primary residence as the primary member and who rely on the member for maintenance and support. Dependents who do <em>not </em>live in the household are eligible for coverage as long as they are unmarried, under age 26, and are a full-time college student.</p>


Minor children (under age 18) who are added to a Zander ID Theft Solutions Family Plan receive the full breadth of services available under the program. Dependents 18 and over who live in the primary member’s household are not eligible to utilize monitoring services, but would still receive restoration, reimbursement, and lost wallet protection regardless [&hellip;]


To What Age are Children Covered on Zander’s ID Theft Plan?

<p><img loading="lazy" decoding="async" class="alignnone size-full wp-image-3545" src="https://static.zanderins.com/wp-content/uploads/2024/11/27181739/What-Coverages-are-Available-to-Children-on-Zanders-ID-Theft-Protection-Plan-1.png" alt="" width="1110" height="411" srcset="https://static.zanderins.com/wp-content/uploads/2024/11/27181739/What-Coverages-are-Available-to-Children-on-Zanders-ID-Theft-Protection-Plan-1.png 1110w, https://static.zanderins.com/wp-content/uploads/2024/11/27181739/What-Coverages-are-Available-to-Children-on-Zanders-ID-Theft-Protection-Plan-1-300x111.png 300w, https://static.zanderins.com/wp-content/uploads/2024/11/27181739/What-Coverages-are-Available-to-Children-on-Zanders-ID-Theft-Protection-Plan-1-1024x379.png 1024w, https://static.zanderins.com/wp-content/uploads/2024/11/27181739/What-Coverages-are-Available-to-Children-on-Zanders-ID-Theft-Protection-Plan-1-768x284.png 768w" sizes="auto, (max-width: 1110px) 100vw, 1110px" /></p>
<p>When a child is added to a Family plan with Zander, they will receive the same benefits offered to their parents up to the age of 18. After that point, they are still eligible for lost wallet protection, restoration and recovery services until age 26 as long as they can still be claimed as a dependent by their parents.</p>
<p>Federal law restricts our ability to offer personal information monitoring for those over the age of 18 without their consent. However, the child would have the option to enroll in an individual plan on their own, allowing them to take advantage of the full breadth of our services.</p>


When a child is added to a Family plan with Zander, they will receive the same benefits offered to their parents up to the age of 18. After that point, they are still eligible for lost wallet protection, restoration and recovery services until age 26 as long as they can still be claimed as a [&hellip;]


What Coverages are Available to Children on Zander’s ID Theft Protection Plan?

<p>&nbsp;</p>
<p><img loading="lazy" decoding="async" class="alignnone size-full wp-image-3543" src="https://static.zanderins.com/wp-content/uploads/2024/11/27181732/Should-I-Consider-a-Credit-Monitoring-Plan-to-Protect-Against-ID-Theft-1.png" alt="" width="1110" height="411" srcset="https://static.zanderins.com/wp-content/uploads/2024/11/27181732/Should-I-Consider-a-Credit-Monitoring-Plan-to-Protect-Against-ID-Theft-1.png 1110w, https://static.zanderins.com/wp-content/uploads/2024/11/27181732/Should-I-Consider-a-Credit-Monitoring-Plan-to-Protect-Against-ID-Theft-1-300x111.png 300w, https://static.zanderins.com/wp-content/uploads/2024/11/27181732/Should-I-Consider-a-Credit-Monitoring-Plan-to-Protect-Against-ID-Theft-1-1024x379.png 1024w, https://static.zanderins.com/wp-content/uploads/2024/11/27181732/Should-I-Consider-a-Credit-Monitoring-Plan-to-Protect-Against-ID-Theft-1-768x284.png 768w" sizes="auto, (max-width: 1110px) 100vw, 1110px" /></p>
<p>Credit Monitoring and other identity monitoring programs focus strictly on financial fraud, and these measures have been proven to have limited preventative benefit since many lenders never check credit bureaus or other outlets before issuing credit. If any other type of identity theft occurs, these plans don’t provide any protection. Taking preventative measures is important, but they are not a foolproof, and you can do most of these steps yourself for free, so there is no reason to pay for these services. You can place your own fraud alerts and credit freezes and enroll in “Do Not Call” and “credit card opt-Out” programs, all for no cost. You can also order copies of your credit reports three times per year at no cost. These are the steps that Dave recommends to reduce your risk without spending a penny more for hype, so your money can be used for better things, such as paying down debt and building savings.</p>
<p>Dave endorses Zander ID Theft Solutions – and uses us for his own family and teammates – because of our focus on the true risk of identity theft: the time and effort it takes to clean up the mess. We cover all types of identity theft, meaning that no matter how a thief accesses your information, we have your back. We take over the work (600 hours on average) to restore your identity to pre-theft status, <em>and</em> we’re less expensive than our competitors. Our $1 million reimbursement benefit covers unauthorized stolen funds from bank accounts and provides compensation to our members if they incur expenses while we restore your identity. These expenses may include lost pay or vacation time (if you have to go to court to testify), legal fees, notary or Fed-Ex charges, long-distance phone bills, etc. Learn more about the <a href="https://www.zanderins.com/identity-theft-protection/statistics" target="_blank" rel="noopener">risk of identity theft</a>.</p>


&nbsp; Credit Monitoring and other identity monitoring programs focus strictly on financial fraud, and these measures have been proven to have limited preventative benefit since many lenders never check credit bureaus or other outlets before issuing credit. If any other type of identity theft occurs, these plans don’t provide any protection. Taking preventative measures is [&hellip;]


Should I Consider a Credit Monitoring Plan to Protect Against ID Theft?

<p><img loading="lazy" decoding="async" class="alignnone size-full wp-image-3539" src="https://static.zanderins.com/wp-content/uploads/2024/11/27181717/Can-I-Get-Disability-Insurance-If-I-Am-Over-Age-60-1.png" alt="" width="1110" height="411" srcset="https://static.zanderins.com/wp-content/uploads/2024/11/27181717/Can-I-Get-Disability-Insurance-If-I-Am-Over-Age-60-1.png 1110w, https://static.zanderins.com/wp-content/uploads/2024/11/27181717/Can-I-Get-Disability-Insurance-If-I-Am-Over-Age-60-1-300x111.png 300w, https://static.zanderins.com/wp-content/uploads/2024/11/27181717/Can-I-Get-Disability-Insurance-If-I-Am-Over-Age-60-1-1024x379.png 1024w, https://static.zanderins.com/wp-content/uploads/2024/11/27181717/Can-I-Get-Disability-Insurance-If-I-Am-Over-Age-60-1-768x284.png 768w" sizes="auto, (max-width: 1110px) 100vw, 1110px" /></p>
<p>Many <a href="https://www.zanderins.com/disability-insurance/instant-quotes" target="_blank" rel="noopener">disability insurance companies</a> place limits on the coverages they will offer to applicants based on their age and occupation. Regardless of your age, Dave Ramsey recommends first checking with your employer to see if a group plan is available. Bear in mind that, even through a group plan, there will likely still be limited coverage available if you are over age 60 since most plans only pay benefits to age 65, which is still considered normal retirement age for actuarial purposes. Therefore, if you do purchase a new disability policy beyond age 60, most plans will only pay benefits if you become disabled up to age 65; after that, it is usually only for one or two years.</p>


Many disability insurance companies place limits on the coverages they will offer to applicants based on their age and occupation. Regardless of your age, Dave Ramsey recommends first checking with your employer to see if a group plan is available. Bear in mind that, even through a group plan, there will likely still be limited [&hellip;]


Can I Get Disability Insurance If I Am Over Age 60?

<p><img loading="lazy" decoding="async" class="alignnone size-full wp-image-3548" src="https://static.zanderins.com/wp-content/uploads/2024/11/27181750/What-is-the-Supplemental-Disability-Income-Rider-SDIR-on-a-Disability-Policy-1.png" alt="" width="1110" height="411" srcset="https://static.zanderins.com/wp-content/uploads/2024/11/27181750/What-is-the-Supplemental-Disability-Income-Rider-SDIR-on-a-Disability-Policy-1.png 1110w, https://static.zanderins.com/wp-content/uploads/2024/11/27181750/What-is-the-Supplemental-Disability-Income-Rider-SDIR-on-a-Disability-Policy-1-300x111.png 300w, https://static.zanderins.com/wp-content/uploads/2024/11/27181750/What-is-the-Supplemental-Disability-Income-Rider-SDIR-on-a-Disability-Policy-1-1024x379.png 1024w, https://static.zanderins.com/wp-content/uploads/2024/11/27181750/What-is-the-Supplemental-Disability-Income-Rider-SDIR-on-a-Disability-Policy-1-768x284.png 768w" sizes="auto, (max-width: 1110px) 100vw, 1110px" /></p>
<p>The SDIR acts as an offset and actually helps reduce your cost, taking part of your benefit amount and discounting the cost since it will integrate with social programs such as social security and workers’ compensation. If you qualify for payment under a social plan, the insurance company will reduce the amount paid to you by the amount of monthly benefit you receive from the social program. For example, let’s say you have a disability benefit of $7,200 and $1,800 with your SDIR. You are guaranteed to get the total monthly benefit of $9,000, but the $1,800 SDIR may not all come from the insurance company. If you receive social security or workers’ comp payments, your rider will simply “top off” those payments to get you to $1,800 in benefit. The real advantage is that, even if you don’t receive social security or workers’ comp for your disability, you will still get that entire $1,800 SDIR benefit in addition to the $7,200 disability benefit.</p>
<p><a href="https://www.zanderins.com/disability-insurance/instant-quotes" target="_blank" rel="noopener">Long-term disability (LTD)</a> is a crucial part of your overall insurance plan, and many companies will try and load you up with benefits since they sell one product at a time and do not take an overall view of your financial strategy. Dave recommends that you have a quality LTD plan without overspending on it, since it that would dilute your ability to pay down debt and grow your savings. You also need to remember that the chances you’ll ever be out of work due to disability is still limited, so it is important to balance the expense with other priorities, such as term life insurance, health insurance, retirement planning, etc.</p>


The SDIR acts as an offset and actually helps reduce your cost, taking part of your benefit amount and discounting the cost since it will integrate with social programs such as social security and workers’ compensation. If you qualify for payment under a social plan, the insurance company will reduce the amount paid to you [&hellip;]


What is the Supplemental Disability Income Rider (SDIR) on a Disability Policy?

<p><img loading="lazy" decoding="async" class="alignnone size-full wp-image-3540" src="https://static.zanderins.com/wp-content/uploads/2024/11/27181721/Do-You-Recommend-Mortgage-Life-Insurance-1.png" alt="" width="1110" height="411" srcset="https://static.zanderins.com/wp-content/uploads/2024/11/27181721/Do-You-Recommend-Mortgage-Life-Insurance-1.png 1110w, https://static.zanderins.com/wp-content/uploads/2024/11/27181721/Do-You-Recommend-Mortgage-Life-Insurance-1-300x111.png 300w, https://static.zanderins.com/wp-content/uploads/2024/11/27181721/Do-You-Recommend-Mortgage-Life-Insurance-1-1024x379.png 1024w, https://static.zanderins.com/wp-content/uploads/2024/11/27181721/Do-You-Recommend-Mortgage-Life-Insurance-1-768x284.png 768w" sizes="auto, (max-width: 1110px) 100vw, 1110px" /></p>
<p>No. These policies provide a death benefit equal to the amount of your mortgage in the event of your death. Mortgage life policies typically start out with premiums equal to or higher than level term life insurance policies. Each year the mortgage life plan is in force, the amount of coverage goes down as the amount of your mortgage goes down &#8211; but your premium stays the same. In essence, your policy loses value through the years. The premium and death benefit on a <a href="https://www.zanderins.com/term-life-insurance/instant-quotes" target="_blank" rel="noopener">level term life insurance policy</a>, however, remain the same for the entirety of the policy, thereby representing a much better value.</p>


No. These policies provide a death benefit equal to the amount of your mortgage in the event of your death. Mortgage life policies typically start out with premiums equal to or higher than level term life insurance policies. Each year the mortgage life plan is in force, the amount of coverage goes down as the [&hellip;]


Do You Recommend Mortgage Life Insurance?

<p><img loading="lazy" decoding="async" class="alignnone size-full wp-image-3542" src="https://static.zanderins.com/wp-content/uploads/2024/11/27181728/Should-I-Consider-a-Company-Solely-Based-on-Their-Online-Consumer-Ratings-1.png" alt="" width="1110" height="411" srcset="https://static.zanderins.com/wp-content/uploads/2024/11/27181728/Should-I-Consider-a-Company-Solely-Based-on-Their-Online-Consumer-Ratings-1.png 1110w, https://static.zanderins.com/wp-content/uploads/2024/11/27181728/Should-I-Consider-a-Company-Solely-Based-on-Their-Online-Consumer-Ratings-1-300x111.png 300w, https://static.zanderins.com/wp-content/uploads/2024/11/27181728/Should-I-Consider-a-Company-Solely-Based-on-Their-Online-Consumer-Ratings-1-1024x379.png 1024w, https://static.zanderins.com/wp-content/uploads/2024/11/27181728/Should-I-Consider-a-Company-Solely-Based-on-Their-Online-Consumer-Ratings-1-768x284.png 768w" sizes="auto, (max-width: 1110px) 100vw, 1110px" /></p>
<p>In short, no. The reason being that the majority of insurance companies garner negative online reviews and ratings based on the nature of their business. In most cases, we have found that applicants are unhappy if they cannot qualify for the best rate offered, which could have been the agent’s fault or the client failing to disclose all their info initially. There can certainly be service issues that occur with any company, but we have generally found that if a qualified agent is assisting you, then these types of circumstances are typically very minimal.</p>
<p>Additionally, an unhappy client is often more motivated the share their experience than someone who has been handled professionally and fairly, whether it is during buying a plan, requesting changes, or having a claim paid – which we find is the usual experience for so many of the families we serve. We have also found that, regretfully, most insurance companies do not respond to their online feedback, simply because the reasons for the client’s unhappiness typically relates to protected personal and private information, and the insurance company cannot publicly engage due to privacy or legal reasons.</p>
<p>As your agent, we communicate with the insurance companies on your behalf, mitigating any issues that may arise and reducing the likelihood of problems or complications that go unresolved. All of the companies we represent are rated A or better with AM Best, meaning that their financial stability is solid with a favorable outlook, especially in the area of paying claims, which is their most important job. Knowing that Zander has done all the homework for you, you can focus on finding the company that gives you the best price for your needs.</p>


In short, no. The reason being that the majority of insurance companies garner negative online reviews and ratings based on the nature of their business. In most cases, we have found that applicants are unhappy if they cannot qualify for the best rate offered, which could have been the agent’s fault or the client failing [&hellip;]


Should I Consider a Company Solely Based on Their Online Consumer Ratings?

<p><img loading="lazy" decoding="async" class="alignnone size-full wp-image-3546" src="https://static.zanderins.com/wp-content/uploads/2024/11/27181742/What-Happens-to-My-Policy-When-an-Insurance-Company-Goes-Bankrupt-1.png" alt="" width="1110" height="411" srcset="https://static.zanderins.com/wp-content/uploads/2024/11/27181742/What-Happens-to-My-Policy-When-an-Insurance-Company-Goes-Bankrupt-1.png 1110w, https://static.zanderins.com/wp-content/uploads/2024/11/27181742/What-Happens-to-My-Policy-When-an-Insurance-Company-Goes-Bankrupt-1-300x111.png 300w, https://static.zanderins.com/wp-content/uploads/2024/11/27181742/What-Happens-to-My-Policy-When-an-Insurance-Company-Goes-Bankrupt-1-1024x379.png 1024w, https://static.zanderins.com/wp-content/uploads/2024/11/27181742/What-Happens-to-My-Policy-When-an-Insurance-Company-Goes-Bankrupt-1-768x284.png 768w" sizes="auto, (max-width: 1110px) 100vw, 1110px" /></p>
<p>Thankfully, we have only read about this experience and have never had one of the companies we represent go into bankruptcy (or insolvency, which is the term used in the insurance industry). If an insurance company goes bankrupt or is otherwise unable to pay its claims, there is a safety net in each state – known as a guaranty fund – which works similar to the way the FDIC protects deposits in banks. Each state charges insurance companies a tax on their premiums that goes to an insolvency fund that would pay claims up to a certain limit if the company is financially incapable of doing so on their own. The company is then taken over by the Insurance Department of the state in which they are domiciled and goes through a period of rehabilitation. This generally involves the Insurance Department reorganizing the company, and in most cases, finding a new company to buy the assets of the failing company. If the assets being bought do not generate enough to cover the liabilities of the company, the guaranty fund makes up the difference and, in most cases, the insured person is made whole and their policy or claim protection continues. In the event that no buyer is found, the company’s assets are liquidated, and the guaranty fund provides protection up to the state limit for those with a pending claim or outstanding premium. This is a very rare event and the advantage of term insurance is that you do not have a lot of money “invested” in a failing company (like you would with a cash value type plan), and you could simply apply elsewhere. In short – it is definitely an experience to avoid, but <a href="https://www.zanderins.com/term-life-insurance/instant-quotes" target="_blank" rel="noopener">having a term life policy</a> greatly minimizes some of the complications.</p>


Thankfully, we have only read about this experience and have never had one of the companies we represent go into bankruptcy (or insolvency, which is the term used in the insurance industry). If an insurance company goes bankrupt or is otherwise unable to pay its claims, there is a safety net in each state – [&hellip;]


What Happens to My Policy When an Insurance Company Goes Bankrupt?

<p class="p1"><img loading="lazy" decoding="async" class="alignnone size-full wp-image-3366" src="https://wp-stg.zanderins.com/wp-content/uploads/92.png" alt="" width="1110" height="411" srcset="https://static.zanderins.com/wp-content/uploads/2020/03/20205724/92.png 1110w, https://static.zanderins.com/wp-content/uploads/2020/03/20205724/92-300x111.png 300w, https://static.zanderins.com/wp-content/uploads/2020/03/20205724/92-1024x379.png 1024w, https://static.zanderins.com/wp-content/uploads/2020/03/20205724/92-768x284.png 768w" sizes="auto, (max-width: 1110px) 100vw, 1110px" /></p>
<p class="p1">Whether you’re looking to cover your new teen driver or shopping around for a better <a href="https://www.zanderins.com/other-insurance/auto-insurance">auto insurance rate</a>, finding the best and most cost-efficient coverage can be time consuming. Providing your information every time you want to compare a rate is tedious, and you feel like your options are limited, but you don’t have the time to compare each insurance company’s cost.</p>
<p class="p1">By working with an Independent Insurance Agent – like Zander Insurance – you can shop around with numerous companies to find the right car insurance coverage at the right cost, with no hassle. Direct writers, like State Farm and Allstate, only represent one company and don’t have the ability to provide a wide range of pricing and coverage options. Independent Insurance Agencies work with numerous insurance providers and can help you find the best option for your unique needs. You can find a local independent insurance agent by checking with the Independent Insurance Agents association in your state or through a quick Google search. Next time you’re looking for a great rate on coverage keep your local independent agent in mind.</p>


Zander Insurance in Nashville Tennessee provides information on finding the best auto insurance rates who is endorsed by Dave Ramsey.

Finding The Best Auto Insurance Rates | Zander Insurance

How Do I Find the Best Rates on Auto Insurance?

<div id="content_bottom">
<h2><img loading="lazy" decoding="async" class="alignnone size-full wp-image-3180" src="https://wp-stg.zanderins.com/wp-content/uploads/28-1.png" alt="" width="1110" height="411" srcset="https://static.zanderins.com/wp-content/uploads/2019/06/17213704/28-1.png 1110w, https://static.zanderins.com/wp-content/uploads/2019/06/17213704/28-1-300x111.png 300w, https://static.zanderins.com/wp-content/uploads/2019/06/17213704/28-1-1024x379.png 1024w, https://static.zanderins.com/wp-content/uploads/2019/06/17213704/28-1-768x284.png 768w" sizes="auto, (max-width: 1110px) 100vw, 1110px" /></h2>
<h2>Why should I use Zander vs. other alternatives?</h2>
<p>Zander provides a balance of size, experience and commitment to excellent service that is unique in our industry. We are large enough to command the attention and accountability of the companies we represent, which helps assure that our clients receive the most competitive pricing and prompt attention to any issues that may arise. Our size, however, does not interfere with our effort to provide personalized service throughout our business relationship. Whether you have questions prior to applying, concerns during the application process, or need assistance once your policy is in effect, we are here to serve you!</p>
<h2>What type of policies are included in the proposals you sent me?</h2>
<p>Zander Insurance only provides quotes for level <a href="https://www.zanderins.com/term-life-insurance/instant-quotes">term life insurance coverage</a>. All products can be quoted on a 10, 15, 20, and 30-year basis, and the premiums are guaranteed for the duration you choose. While most of the policies are renewable to age 95, the annual premiums may increase significantly after the initial guaranteed period expires and, in addition, most of the policies are convertible to permanent life insurance policies. We present all policies for your review so you can determine the best option.</p>
<h2>I have never heard of the company recommended. Should I still consider their policy?</h2>
<p>All carriers that we represent are top quality carriers with AM Best ratings of A-, A, A+, or A++. These are considered to be “excellent” or “superior” ratings, and signify their strong ability to meet the ongoing obligations to policyholders. The ratings reflect the opinion of AM Best and are not implied warranties of the companies’ ability to meet their financial obligations. Though you may not be familiar with a company’s name, we have the greatest confidence in the carriers we recommend and are proud to represent them.</p>
<h2>Is price the only thing I should be concerned with?</h2>
<p>With term life insurance there is no cash value, dividends, loans, investment options, etc. to be concerned with. Look for a guaranteed level product from a carrier with strong financial ratings. Remember, when comparing an older policy to a new one, the number of additional years the premium is guaranteed into the future may represent an enhancement of value.</p>
<h2>How much coverage do I need?</h2>
<p>When determining the amount of coverage you should have, a review of your personal circumstances is necessary. A more simplified approach includes calculations based on a multiple of your income. A level generally recommended is ten to twelve times your income, though you could need less depending on your personal financial situation. Paying off your mortgage or other debts, savings in excess of your retirement plans, a spouse’s continued income, and having adult dependents are all circumstances that can help reduce the necessary amount of insurance your family may need. Don’t hesitate to contact us to talk more about your specific needs.</p>
<h2>Will I always receive the price quoted from the carrier I apply to?</h2>
<p>Not necessarily. Each company has certain underwriting guidelines that you must meet to qualify for the rate class at which you were quoted. The guidelines are similar with most companies, but certain carriers are more flexible than others, and have specific underwriting niches. The areas reviewed by the carrier include: medical history, height, weight, cholesterol, driving record, family history of heart disease/cancer, hazardous sports, etc. We make every effort to provide you the most accurate and realistic quote based on the personal details you provide at the time of the quote, whether it was via the web or through a call to one of our Zander Guides. If you do not receive the same rate you were quoted, the company will explain what factors changed the outcome and generally offer an alternative. You may accept it or decline it. There is no cost to you should you decide to decline.</p>
<h2>Is a medical exam required?</h2>
<p>A basic paramedical exam is required for most term life products, though there are some that do not based on the applicant’s age and the amount for which they apply. The exam is very simple and takes approximately 15-20 minutes. The examiner will typically request a blood and urine specimen, take your blood pressure and ask questions concerning your medical history. Examiners are not licensed insurance agents and are unable to assist with questions regarding your application. Please don’t hesitate to contact us with any questions or concerns.</p>
<h2>What payment plans are available?</h2>
<p>The premiums quoted are on an annual basis. Other premium options include monthly, quarterly, and semi-annually. Monthly payments can only be made via electronic fund transfer. Most companies charge an additional fee when premiums are paid more frequently than annually.</p>
<h2>How long does the application process take?</h2>
<p>Once we receive your application and the paramedical exam has been done, approvals typically occur 4-6 weeks. That timeframe can be longer if scheduling your medical exam is delayed or if medical records must be ordered from your doctor. Let us know of any special time limitations and never cancel your existing policy until you are approved and have reviewed your new policy.</p>
<h2>Are Zander and the insurance carriers presented licensed to do business in my state?</h2>
<p>Yes! Our rating program determines the best value available in your state, and Jeffrey J Zander is licensed in all states where business is conducted.</p>
<h2>Should I cancel my current coverage when I apply to one of the companies Zander represents?</h2>
<p>Absolutely not. Coverage is not in force until approved by the carrier, you accept the policy, and payment is made. You should not cancel your existing policy until your new policy has been activated. Please remember that if you are replacing an existing policy, the suicide and contestability periods of the new policy will still apply. Also, if you plan to discontinue a <a href="https://www.termvscashvalue.com/" target="_blank" rel="noopener noreferrer">cash value type policy</a>, you may incur surrender charges and/or have tax consequences. Your financial planner, legal counsel, or current insurance agent should be consulted.</p>
<h2>What is the quickest way to get my coverage in force?</h2>
<p>There are several things you can do to help expedite the application process. Using our website to apply helps reduce processing time. Be sure to include your email address, which helps us promptly contact you with any additional information requests. Also, a thorough explanation of all “yes” answers on your application, prompt scheduling of your paramedical exam, and a listing of the full name and address of all your physicians will help quicken the underwriting process.</p>
<h2>What is a conditional receipt?</h2>
<p>For those who want coverage in effect at the time of application, under certain limitations, companies will extend conditional coverage based on the terms outlined in their “conditional receipt.” The terms must be complied with prior to conditional coverage, so careful review is imperative if selecting this option. All conditional receipts maintain limits on the amount of coverage conditionally provided and the length of time it is in force. Those using this alternative typically have no other coverage in force and have an immediate need for some form of protection . . . even if limited.</p>
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Look at term life insurance frequently asked questions (FAQs) including pricing, policy and coverage options from Zander Insurance.

Term Life Insurance Frequently Asked Questions (FAQs)

Term Life Insurance : FAQs

<p><img loading="lazy" decoding="async" class="alignnone size-full wp-image-3388" src="https://wp-stg.zanderins.com/wp-content/uploads/99.png" alt="" width="1110" height="411" srcset="https://static.zanderins.com/wp-content/uploads/2023/04/20212159/99.png 1110w, https://static.zanderins.com/wp-content/uploads/2023/04/20212159/99-300x111.png 300w, https://static.zanderins.com/wp-content/uploads/2023/04/20212159/99-1024x379.png 1024w, https://static.zanderins.com/wp-content/uploads/2023/04/20212159/99-768x284.png 768w" sizes="auto, (max-width: 1110px) 100vw, 1110px" /></p>
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<p>Three out of every five Americans fail to purchase enough homeowners insurance<a href="https://www.consumerreports.org/homeowners-insurance/what-you-dont-know-about-homeowners-insurance-could-cost-you/" target="_blank" rel="noopener noreferrer">1</a>, and often because they don’t know how much they should really have. Figuring that out can be difficult, so we have broken it down into the following categories: extended dwelling coverage; personal property; liability; and additional living expenses.</p>
<h3><strong>Dwelling Coverage</strong></h3>
<p>This is the “rebuild your home” part of your <a href="https://www.zanderins.com/other-insurance/home-insurance">homeowners insurance</a> policy. Give us a call for help determining local construction costs for the square footage on your home (deck, garage, and any other structure connected to your home should be included in this estimate). It’s important to run this estimate again every couple of years, particularly if there have been changes which could affect your replacement costs, such as:</p>
<ul>
<li>New building codes</li>
<li>Remodeling</li>
<li>Additional rooms/structures</li>
<li>Inflation</li>
<li>Old/unique features</li>
</ul>
<h3><strong>Personal Property Coverage</strong></h3>
<p>Take inventory of everything you own – this will include everything from furniture to appliances, electronics, clothing, and even food. Imagine that a natural disaster hits and wipes out your home. The cost to replace <em>everything </em>in it is the amount of personal property coverage you need. If you own particularly high-value items, ask your Zander Insurance agent if you need a separate policy for those items.</p>
<h3><strong>Liability</strong></h3>
<p>If someone gets hurt on your property, you need liability insurance to avoid paying for medical bills and lawsuits that may come your way. Dave Ramsey recommends between $300-500,000 in liability coverage. Keep in mind that many of these injuries are a result of interactions with family pets. Even if you <em>know </em>Fido would never hurt a fly, you should try to get coverage that applies to those incidents as well. Certain breeds of dogs (including Pit Bulls, Doberman Pinschers, Rottweilers, German Shepherds, Siberian Huskies, and a few others) are considered “high-risk” by some carriers. If you think your pet may fall into this category, mention it to your agent so we can help find a carrier that covers any possible mishaps.</p>
<h3><strong>Additional Living Expenses</strong></h3>
<p>With damage to the home often comes additional expenses (staying in hotels and eating out while your home is being rebuild, for instance). Most carriers will calculate your need as 20-30% of your dwelling coverage. If you anticipate this amount you would need being higher, ask your agent how to increase this coverage.</p>


Find out how much homeowners insurance do you need from Zander including dwelling and personal property coverage, liability and more.

How Much Homeowners Insurance Do You Need | Zander

How Much Homeowners Insurance Do You Need?

<p><img loading="lazy" decoding="async" class="alignnone size-full wp-image-3312" src="https://wp-stg.zanderins.com/wp-content/uploads/77.png" alt="" width="1110" height="411" srcset="https://static.zanderins.com/wp-content/uploads/2020/04/20201857/77.png 1110w, https://static.zanderins.com/wp-content/uploads/2020/04/20201857/77-300x111.png 300w, https://static.zanderins.com/wp-content/uploads/2020/04/20201857/77-1024x379.png 1024w, https://static.zanderins.com/wp-content/uploads/2020/04/20201857/77-768x284.png 768w" sizes="auto, (max-width: 1110px) 100vw, 1110px" /></p>
<p>Finding ways to cut costs and save money is important – we get it. Saving people money is actually our job! One way you <em>shouldn’t </em>try to lower expenses, however, is by sacrificing insurance coverage that you really need. <a href="https://www.zanderins.com/disability-insurance/instant-quotes">Long-term disability</a> is one of the often-overlooked types of policies that you can’t afford to go without. Your ability to earn an income is your most valuable asset, and you need to protect it.</p>
<h2><strong>Why do I need disability insurance if I have workers’ comp?</strong></h2>
<p>You’re only eligible to receive <a href="https://www.zanderins.com/business-insurance/property-and-casualty/workers-compensation">workers’ compensation</a> if your illness or injury was the result of activities related to your job. The vast majority of cases, however, do <em>not </em>involve the workplace, meaning that these disabilities and illnesses are not covered! Think about it: if you were to have an accident that prevented you from working and it didn’t happen <em>on</em> the job, you would not be eligible for workers’ compensation.  How would you pay the bills or put food on the table? Dave Ramsey suggests purchasing a long-term disability policy no matter how healthy you are or how safe your job is. One in four people will experience a disabling event before retirement, so you’re far more likely to need this than you probably think.</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>There are more than 51 million working adults without disability coverage. That’s a huge mistake!</strong>&#8220;<i> &#8211; Dave Ramsey</i></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://wp-stg.zanderins.com/wp-content/uploads/Dave-Ramsey-circle.png" alt="Dave Ramsey Insurance" width="200" /></div>
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<h2><strong>What type of policy should I get?</strong></h2>
<p>When it comes to laying out the specifics of a policy, the details can get confusing. Here are some general guidelines based on Dave Ramsey’s recommendations:</p>
<ul>
<li><strong>Long-Term vs. Short-Term:</strong> <em>Definitely </em>opt for a long-term policy; you should be able to cover any short-term disabilities with your emergency fund</li>
<li><strong>Coverage Amount:</strong> Choose a policy that covers 60-70% of your income.</li>
<li><strong>Benefit Period: </strong>Select a benefit period of at <em>least</em> five years (85% of cases are resolved within this timeframe), but preferably to age 65.</li>
<li><strong>Elimination Period: </strong>Get the longest elimination period you can afford; the average is 90 days but the cost of coverage reduces significantly if you can wait 180 days to start receiving disability benefits. Remember, your emergency fund should have enough in it to cover this amount of time.</li>
</ul>
<h2><strong>How do I get started?<br />
</strong></h2>
<p>Our Guides are here to answer any questions you may have and connect you with long-term disability coverage at a competitive price. Give us a call at <a href="tel:18003564282">1.800.356.4282</a> to learn more.</p>


Find out can workers compensation replace disability insurance from Zander Insurance including how to get coverage and policy options.

Can Workers Compensation Replace Disability Insurance

Can Workers’ Comp Replace Disability Insurance?

<p><img loading="lazy" decoding="async" class="alignnone size-full wp-image-3076" src="https://wp-stg.zanderins.com/wp-content/uploads/reliable-identity-theft-protection.png" alt="" width="1110" height="411" srcset="https://static.zanderins.com/wp-content/uploads/2024/05/02142028/reliable-identity-theft-protection.png 1110w, https://static.zanderins.com/wp-content/uploads/2024/05/02142028/reliable-identity-theft-protection-300x111.png 300w, https://static.zanderins.com/wp-content/uploads/2024/05/02142028/reliable-identity-theft-protection-1024x379.png 1024w, https://static.zanderins.com/wp-content/uploads/2024/05/02142028/reliable-identity-theft-protection-768x284.png 768w" sizes="auto, (max-width: 1110px) 100vw, 1110px" /></p>
<p><span style="font-size: 22px; line-height: 35px;">Selecting a dependable ID theft protection plan is essential for safeguarding your personal information.</span></p>
<hr />
<p>Below are key factors to consider when evaluating and choosing an identity theft protection service:</p>
<ol>
<li><strong>Identity Restoration Services</strong>: Look for services that offer help in case of identity theft, such as dedicated case managers, legal assistance, and direct assistance throughout the restoration process.</li>
<li><strong>24/7 Customer Support</strong>: Assess the quality of customer support provided by the service, as responsive assistance can be vital during identity theft incidents.</li>
<li><strong>Family Coverage</strong>: Identity theft poses a risk to the entire family, including children. Consider a family plan that is cost-effective and provides protection for everyone in the household.</li>
<li><strong>Financial Protection</strong>: Ensure that the coverage includes at least $1 million in stolen funds protection, as well as reimbursement for expenses like lost wages and legal fees incurred during the recovery process.</li>
<li><strong>Comprehensive Monitoring</strong>: Verify that the service offers thorough monitoring of your personal information from various sources, including social security numbers, home titles, and other public records, with real-time alerts for suspicious activities.</li>
<li><strong>Financial Account Monitoring</strong>: Make sure the service monitors your financial accounts for unusual transactions, allowing for quick detection of unauthorized access.</li>
<li><strong>Privacy and Security Measures</strong>: Confirm that the service uses strong privacy and security measures, such as encryption, secure data storage, VPN, and anti-virus software.</li>
<li><strong>Reviews and Reputation</strong>: Check reviews and testimonials from users to gauge the service&#8217;s reliability and effectiveness in assisting individuals dealing with identity theft.</li>
</ol>
<p>Before making your final decision, compare multiple identity theft protection services, review their features, and consider your specific needs and budget. For any inquiries about ID theft protection, contact Zander Insurance at <a href="tel:8003564282;">800-356-4282</a> or send us a message today!</p>


Having reliable identity theft protection is very important. Find out what this all entails from Zander Insurance and get protected today!

How do I choose a reliable identity theft protection service?

<p><img loading="lazy" decoding="async" class="alignnone size-full wp-image-3406" src="https://wp-stg.zanderins.com/wp-content/uploads/2024-blog-header-images-2.png" alt="" width="1110" height="411" srcset="https://static.zanderins.com/wp-content/uploads/2020/04/20214131/2024-blog-header-images-2.png 1110w, https://static.zanderins.com/wp-content/uploads/2020/04/20214131/2024-blog-header-images-2-300x111.png 300w, https://static.zanderins.com/wp-content/uploads/2020/04/20214131/2024-blog-header-images-2-1024x379.png 1024w, https://static.zanderins.com/wp-content/uploads/2020/04/20214131/2024-blog-header-images-2-768x284.png 768w" sizes="auto, (max-width: 1110px) 100vw, 1110px" /></p>
<p class="paragraph" style="margin: 0in; vertical-align: baseline;"><span class="normaltextrun">Home title fraud occurs when a criminal scours electronic records to find a home that has accrued equity. The thief then forges the homeowner’s signature onto a fraudulent bill of sale and transfers legal ownership of the house to themselves. Once the home is in their name, they typically take out home equity loans and disappear, leaving the homeowner with the bill. The scariest part? Most people don’t find out that title theft has occurred until they receive a foreclosure notice in the mail.</span><span class="eop">  </span></p>
<h2><strong>What happens if I become a victim?</strong></h2>
<p class="paragraph" style="margin: 0in; vertical-align: baseline;"><span class="normaltextrun">The thief can use your home’s equity to take out personal loans in your name, and even sell your home without your knowledge.</span><span class="eop"> </span></p>
<h2><strong>Is there any way to prevent it?</strong></h2>
<p class="paragraph" style="margin: 0in; vertical-align: baseline;"><span class="normaltextrun">There is no guaranteed way to prevent home title fraud. If you do become a victim of this or any other fraud, it can take 600+ hours to resolve, and between legal fees and other expenses, can be very costly.</span><span class="eop"> </span></p>
<p>The best thing you can do to protect yourself is invest in a comprehensive <a href="https://www.zanderins.com/identity-theft-protection">identity theft protection plan</a> that includes white glove restoration services. <span class="normaltextrun">Zander Identity Theft Solutions covers all types of identity theft, including home title fraud, meaning there is no need to pay for a costly plan that covers this separately. If you become a victim, our team will take over the work to ensure your identity is fully restored to its pre-theft status, and our plan will reimburse you for up to $1,000,000 in stolen funds and expenses.</span><span class="eop"> </span></p>


Find out details about how home title fraud can happen and what it is from Zander Insurance so an identity thief does not steal it.

How Does Home Title Fraud Happen | Zander Insurance

What is Home Title Fraud and is it Covered on Zander’s ID Theft Plan?

<p><img loading="lazy" decoding="async" class="alignnone size-full wp-image-3310" src="https://wp-stg.zanderins.com/wp-content/uploads/75.png" alt="" width="1110" height="411" srcset="https://static.zanderins.com/wp-content/uploads/2020/04/20201852/75.png 1110w, https://static.zanderins.com/wp-content/uploads/2020/04/20201852/75-300x111.png 300w, https://static.zanderins.com/wp-content/uploads/2020/04/20201852/75-1024x379.png 1024w, https://static.zanderins.com/wp-content/uploads/2020/04/20201852/75-768x284.png 768w" sizes="auto, (max-width: 1110px) 100vw, 1110px" /></p>
<p><a href="https://www.zanderins.com/disability-insurance/instant-quotes">Disability insurance</a> isn’t for people who work in an office . . . right? The statistics say otherwise. It’s not on-the-job accidents that cause the majority of disabilities that prevent people from being able to work – it’s <em>illness!</em></p>
<p>Your emergency fund should be able to cover three months of expenses – but what if you are out of work longer than that? <strong>One in four people</strong> who are in their twenties today <strong>will be</strong> <strong>out of work for</strong> <strong>at least a year</strong> due to disability at some point in their lifetime. <em>That’s </em>something that most of us don’t have stashed away, which is why disability insurance is so important!</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>Long-term disability is mandatory. You&#8217;ve got to get it.</strong>&#8220;<i> &#8211; Dave Ramsey</i></h2>
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<h2><strong>What type of policy should I get?</strong></h2>
<p>Dave Ramsey recommends purchasing a policy that will replace 60-70% of your income (you can reduce this amount over time as you pay down debt and build up savings). If a policy that lasts to age 65 is within your budget, that is the best option. Otherwise, Dave suggests opting for a policy with benefit period of at least five years. The reason for this is that 85% of disabilities are resolved within that timeframe, so you’re unlikely to need it beyond that point. He also suggests taking the longest elimination period within your budget and avoiding all the bells and whistles the insurance companies will try to sell you on.</p>
<h2><strong>How do I find a good policy?</strong></h2>
<p>Whether you work on a construction site or an office, disability insurance can be the difference that determines whether you’re able to continue paying bills and putting food on the table. At Zander, we’re committed to helping you find the right long-term disability policy for your needs. Get a free, instant quote at the link below or give us a call at <a href="tel:18003564282">1.800.356.4282</a> to protect your most valuable asset.</p>


Look at information about the need for disability insurance if you work in a non dangerous profession from Zander Insurance.

Disability Insurance Need For A Non Dangerous Profession

Do I Need Disability Insurance If I Don’t Work in a Dangerous Profession?

<p class="p1"><img loading="lazy" decoding="async" class="alignnone size-full wp-image-3365" src="https://wp-stg.zanderins.com/wp-content/uploads/91.png" alt="" width="1110" height="411" srcset="https://static.zanderins.com/wp-content/uploads/2020/03/20205721/91.png 1110w, https://static.zanderins.com/wp-content/uploads/2020/03/20205721/91-300x111.png 300w, https://static.zanderins.com/wp-content/uploads/2020/03/20205721/91-1024x379.png 1024w, https://static.zanderins.com/wp-content/uploads/2020/03/20205721/91-768x284.png 768w" sizes="auto, (max-width: 1110px) 100vw, 1110px" /></p>
<p class="p1">If your vehicle is on its last leg – or wheel – you may be wondering, “Do I really need to purchase comprehensive and collision insurance, or will liability insurance provide enough coverage?” While it may be tempting to drop the coverage without much thought, keep in mind that the greatest risk to your personal assets is usually operating a vehicle. How much are you saving by opting for liability insurance by itself? If the cost savings aren’t significant, and you don’t have enough savings to replace your vehicle if it was stolen, totaled or damaged then comprehensive and collision insurance is worth carrying.</p>
<p class="p1">Don’t leave yourself, and your income, at risk by failing to obtain the proper coverage. Zander Insurance can help you determine what type of coverage you need. Learn more about our auto and home offerings today.</p>


Learn about if you should carry comprehensive and collision on an older vehicle from Zander Insurance who is endorsed by Dave Ramsey.

Carrying Comprehensive and Collision On An Older Vehicle

Should I Carry Comprehensive and Collision on my Older Vehicle?

<p><img loading="lazy" decoding="async" class="alignnone size-full wp-image-3275" src="https://wp-stg.zanderins.com/wp-content/uploads/57-1.png" alt="" width="1110" height="411" srcset="https://static.zanderins.com/wp-content/uploads/2018/10/20174058/57-1.png 1110w, https://static.zanderins.com/wp-content/uploads/2018/10/20174058/57-1-300x111.png 300w, https://static.zanderins.com/wp-content/uploads/2018/10/20174058/57-1-1024x379.png 1024w, https://static.zanderins.com/wp-content/uploads/2018/10/20174058/57-1-768x284.png 768w" sizes="auto, (max-width: 1110px) 100vw, 1110px" /></p>
<p class="p1">Congratulations! You’ve found the perfect property, and you’re well on your way to becoming a homeowner. Shopping for <a href="https://www.zanderins.com/other-insurance/home-insurance">homeowner’s insurance</a> doesn’t need to be a hassle, but when you go from company to company looking for the best rate, it can be frustrating and time consuming and leave you thinking, “Why can’t I just deal with one person whose sole interest is finding me the best rate possible?”</p>
<p class="p1">Zander Insurance – and other independent agencies across the country – represent numerous insurance providers and can help you shop around for the best coverage, at the best cost for you. Agents who work for companies like State Farm, Allstate, Farmers, Nationwide are called direct writers, and because they only represent one company, they’re limited in the pricing and coverage they offer. You can find a local independent insurance agency by checking with the Independent Insurance Agents association in your state or through a quick Google search.</p>


Get details on how to find the best home insurance rates from Zander Insurance in Nashville Tennessee who is endorsed by Dave Ramsey.

Finding The Best Home Insurance Rates | Zander Insurance

How Do I Find the Best Rates on Home Insurance?

<p><img loading="lazy" decoding="async" class="alignnone size-full wp-image-3157" src="https://wp-stg.zanderins.com/wp-content/uploads/17-2.png" alt="" width="1110" height="411" srcset="https://static.zanderins.com/wp-content/uploads/2020/01/08214516/17-2.png 1110w, https://static.zanderins.com/wp-content/uploads/2020/01/08214516/17-2-300x111.png 300w, https://static.zanderins.com/wp-content/uploads/2020/01/08214516/17-2-1024x379.png 1024w, https://static.zanderins.com/wp-content/uploads/2020/01/08214516/17-2-768x284.png 768w" sizes="auto, (max-width: 1110px) 100vw, 1110px" /></p>
<p>If you’re reading this, you’re probably considering purchasing a life insurance policy. If so – congratulations! It’s one of the best ways to protect your family and will bring you peace of mind for years to come. Before you commit, though, you need to determine what type of policy is best for you: <a href="https://www.termvscashvalue.com/" target="_blank" rel="noopener noreferrer"><strong>whole or term life</strong></a>?</p>
<h2><strong>Whole Life Insurance</strong></h2>
<p>The primary benefit of whole life insurance: your agent will receive a <em>big commission. </em>Good for them – but not so much for you. Whole life insurance is <strong>exponentially more expensive</strong> than term! The only real “benefit” to <em>you </em>is that a whole life insurance policy is permanent. That may sound enticing but, if you’re following the financial principles of Dave Ramsey (like we do), you shouldn’t <em>need</em> life insurance for your whole life! Think about it . . . in 20-30 years, will your family still be dependent on your income? Will you still have a mortgage payment?  Or will you have ample savings and an empty nest? If you’re not planning to be in debt for your whole life, then you don’t need whole life insurance, either.</p>
<p><strong>Overall, whole life insurance is a high-cost product with very little return on your investment.</strong></p>
<p>One of the biggest downfalls of whole life insurance is that it includes a “savings” aspect, which requires you to pay into the plan through exorbitant premiums. This is how cash value is built. You can borrow from the cash value, sure, but to do so would also require you to pay a penalty to withdraw that money – <em>your</em> money. When you die, however, your beneficiary receives only the face value of the plan. So what happens to the cash value you spent so much to build? The insurance company keeps it!</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>Whole life insurance is one of the worst financial products in the world. It’s the payday lender of the middle class.</strong>&#8220;<i> &#8211; Dave Ramsey</i></h2>
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<h2><strong>Term Life Insurance</strong></h2>
<p>If you can’t tell already – term life insurance is the better deal. We feel so strongly about this, in fact, that it’s the only type of coverage that we quote!</p>
<p>One of the benefits of a term life insurance policy is that you can customize your term length and coverage amount, allowing you to plan around your personal financial journey.  Term life insurance is also <em>way </em>cheaper, saving you a boatload of money over cash-value plans and letting you put those savings toward more profitable and wise investments.<br />
</p>
<table id="tablePreview" class="table"></p>
<thead>
<tr>
<th scope="col"></th>
<th scope="col">Whole life policy</th>
<th scope="col">20-year term life policy</th>
</tr>
</thead>
<tbody>
<tr>
<td><strong>Jack’s death benefit amount</strong>*<br />
(we recommend having life insurance coverage equal to 10 times your income)</td>
<td>$125,000</td>
<td>$400,000</td>
</tr>
<tr>
<td><strong>What’s Jack’s monthly premium?</strong></td>
<td>$100</td>
<td>$18 (and Jack invests $82 a month into a Roth IRA or mutual fund)</td>
</tr>
<tr>
<td><strong>Average made in investments after 20 years </strong>(by age 50)</td>
<td>$25,619</td>
<td>$61,994 (assuming a 10% return)</td>
</tr>
<tr>
<td><strong>Average made in investments</strong> (by age 70)</td>
<td>$66,268</td>
<td>$479,062</td>
</tr>
</tbody>
<p></table>
<p>You’re also far less likely to end your policy early (and put your family at risk in the process) with a term life insurance policy because it’s simple and reliable. Your policy is pure protection – not an account you can dip into. This is crucial! Term life insurance is just that: insurance. Your policy is to make sure your family is taken care of when you die and should <em>never </em>be used as a savings vehicle.</p>
<h2><strong>Your Next Step</strong></h2>
<p>Providing for your family’s financial future can come with a lot of pressure. Luckily, that’s why we’re here! Zander is an insurance <em>broker, </em>not an insurance <em>company. </em>That means we have no incentive to load you up with add-ons that are high in price and low on value. We work for <em>you. </em>With Zander, you pick your path. If you’re ready to get your free, instant term life insurance quote, click <a href="https://www.zanderins.com/term-life-insurance/instant-quotes">here</a>. Prefer to talk to one of our Guides? Give us a call at 1.800.356.4282, and we will walk you through the application process and answer any questions you may have.</p>

Choosing between whole versus term life insurance can be a confusing process and at Zander we can help you navigate between the two.

Whole Versus Term Life Insurance – What Is Different

Whole vs. Term Life – What&#8217;s the Difference?

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<p>Many employers offer group life insurance as part of a comprehensive benefits package – but is that enough? According to Dave Ramsey, the answer is <em>no. </em>While it is only to your benefit to accept it if your employer offers to pay for your plan, you do need additional coverage outside of your job. Here’s why:</p>
<h3>If you leave it, you could lose it.</h3>
<p>Most group plans are not portable, meaning if you leave your current employer, you lose that coverage or must medically re-qualify. This is the main reason Dave suggests having no more than 50% of your coverage through your employer’s group plan. If unexpected health issues arise after you leave your job, you may not be able to qualify for the low rates you could be eligible for now.</p>
<h3>Your benefit may not be enough.</h3>
<p>Typically, the death benefit that comes with an employer plan is far less than you need. Dave recommends 10-12 times your income in coverage, whereas most group plans offer far less. Many group plans also reduce the benefits you receive as you age, driving down the value even further.</p>
<h3>Prices can go up (and might be too high to start with).</h3>
<p>Depending on the age of the group, your employer’s plan may be more expensive than purchasing a policy on your own. Even if it turns out that your group plan is competitive, the guaranteed rate on these types of policies typically only last two years. That means when that time period is up, you may have to pay more. Dave recommends opting for a 15-20-year level term plan, which guarantees that your rate won’t change during that time.</p>
<p>The bottom line – whether you have coverage through your employer or not, you should get coverage outside of a group plan. Our Zander Guides are here to help by shopping the top-rated <a href="https://www.zanderins.com/term-life-insurance/instant-quotes">term life insurance companies</a> to find the most competitive prices. Get started at the link below or by giving us a call at <a href="tel:18003564282">1.800.356.4282</a>.</p>


Look at information about purchasing term life insurance coverage outside of your employers group plan and why it is not enough.

Purchasing Term Coverage Outside Employers Group Plan

Ask Dave: Is My Employer’s Group Plan Enough?

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<p class="p1">The Own Occupation rider on a <a href="https://www.zanderins.com/disability-insurance/instant-quotes">disability policy</a> covers you if you are unable to perform the majority of the occupational duties that you have been trained to perform. This means you would receive disability benefits if you couldn’t work in your “own occupation” even if you were able to gain employment in another field. The Own Occupation rider is a nice benefit to have, but it’s not entirely necessary depending on your career and financial situation. If you work in a non-specialty field, don’t make the mistake of overpaying for this benefit. In most cases, there are very few disabilities that would leave you unable to perform the core duties of your occupation.</p>
<p class="p1">Zander Insurance offers the Own Occupation rider as an optional benefit in our disability plans. Dave Ramsey only recommends purchasing this benefit if you have enough room in your budget for the specialized coverage. If you’re still working to pay off debt or haven’t established an emergency fund, skip the Own Occupation rider and focus on reducing your debt and building wealth. Focus on these “must do” steps to secure financial stability and worry about the “nice to have” things later down the road.</p>


Read details about what the own occupation rider on a disability policy is and if you need it from Zander Insurance in Tennessee.

Own Occupation Rider On A Disability Insurance Policy

What is the Own Occupation Rider on a Disability Policy and Do I Need It?

<p><img loading="lazy" decoding="async" class="alignnone size-full wp-image-3073" src="https://wp-stg.zanderins.com/wp-content/uploads/9-4.png" alt="" width="1110" height="411" srcset="https://static.zanderins.com/wp-content/uploads/2024/04/30140823/9-4.png 1110w, https://static.zanderins.com/wp-content/uploads/2024/04/30140823/9-4-300x111.png 300w, https://static.zanderins.com/wp-content/uploads/2024/04/30140823/9-4-1024x379.png 1024w, https://static.zanderins.com/wp-content/uploads/2024/04/30140823/9-4-768x284.png 768w" sizes="auto, (max-width: 1110px) 100vw, 1110px" /></p>
<h2>Why are my insurance premiums going up?</h2>
<p>There are several factors that can cause an increase in insurance rates. Typically, a rate increase is based on the individual experience of the client and whether they have had insurance claims frequently or of a severe nature. Another reason a customer’s rates can rise is the overall experience the insurance company has had in that territory or region. Over the last 18 months we have seen these and a growing number of other factors greatly impact the rates being charged for both home and auto insurance, as well as more restrictions on eligibility and availability.</p>
<h2>Intensified Storm Activity</h2>
<p>The increasing number of significant weather events across the country – including tornados, damaging winds and hailstorms, flooding, and a significant uptick in wildfires – have added a new dimension of risk for insurance companies and, in some cases, challenged their long-term ability to pay claims in the future.  In 2023, there were over 30 events costing over $1 billion<sup>1</sup>; previously, it took a period of ten years to reach that amount.  This change in weather events has made for more frequent and severe types of claims, which are inherently reflected in the rates insurance companies charge.</p>
<h2>Rising Inflation</h2>
<p>Economic factors can also have an impact on insurance rates. Over the past six years the cost of building materials (lumber, copper, roofing, etc.), labor costs, and supply chain delays have increased by 33-55%, which has a direct impact on the number of dollars paid out by insurance companies.</p>
<h2>Increasing Auto Repair Cost</h2>
<p>With auto insurance, the cost of repairs has skyrocketed, as well as the value of used cars. In 2018, the average auto claim cost $4,821.<sup>2</sup> But with all the technology included in today’s vehicles and the training and material cost for replacement parts, the average claim has gone up 24%<sup>3</sup>.  Not to mention an increase in the frequency of auto claims since the end of the pandemic, as more people began driving again.</p>
<p>Overall, insurance companies have not been able to keep up with the frequency and cost of these increases based on the rates that they were charging three to five years ago.  This is one of the primary reasons why everyone is seeing higher costs for their insurance coverage. In addition, the restrictions in eligibility for new policies is an attempt to slow down how much risk insurance companies are assuming until they can get their pricing to better reflect the costs they are incurring.</p>
<p>All of these factors contribute to rising rates and harder-to-find coverage and are one reason you may have heard the term “hard market,” since it is harder to find the coverage you need at an affordable price lately.</p>
<h2>How do I find affordable coverage during a hard market?</h2>
<p>During a hard market, it is especially important to shop from several companies to find a policy that best fits your needs and budget. There are still options available out there for most people but taking the time and effort to review each one can be frustrating and time consuming.  Using an independent insurance agent/broker is a great way to shop and compare a wide range of insurance company options.  Unlike a “one-company agent” like State Farm, Geico, Liberty and others, an independent agent/broker works for <em>you</em> and can shop and compare with multiple companies now and in the future to make sure your rates stay competitive year after year.  They are also trained to not only know insurance coverages but also key elements of plans such as billing options, technology services, claims reputation and other areas that should be considered when reviewing options.</p>
<h2>How do I select an independent insurance agent?</h2>
<p>Look for an agent that is large enough to shop dozens of companies to find you the coverage you need, but also committed to a level of service that is exceptional in the industry.  They should be a reputable and stable company whose sole focus is on meeting the needs of their customers.</p>
<p>That is why Dave Ramsey, a well-known personal finance expert, radio show host, and author, uses and recommends Zander Insurance to his 30 million listeners as an independent agent that possesses all these qualities. “I have used Zander personally for all my insurance needs for more than 25 years. They shop hundreds of companies to get me the right coverage at the best price.&#8221;</p>
<h2>Conclusion</h2>
<p>A hard market in the insurance industry can make finding affordable coverage more difficult, costly, and time-consuming. While we can’t avoid the challenges a hard market brings, the good news is an independent agent, who works for you, can still find you great coverage and great rates, even in a hard market.</p>
<p>Sources:</p>
<ol>
<li><a href="https://www.climate.gov/news-features/blogs/beyond-data/2023-historic-year-us-billion-dollar-weather-and-climate-disasters">https://www.climate.gov/news-features/blogs/beyond-data/2023-historic-year-us-billion-dollar-weather-and-climate-disasters</a></li>
<li><a href="https://content.naic.org/article/naic-releases-2019-2020-auto-insurance-database-report">https://content.naic.org/article/naic-releases-2019-2020-auto-insurance-database-report</a></li>
<li><a href="https://www.forbes.com/advisor/car-insurance/car-insurance-facts-and-statistics/">https://www.forbes.com/advisor/car-insurance/car-insurance-facts-and-statistics/</a></li>
</ol>


Why are my insurance premiums going up? There are several factors that can cause an increase in insurance rates. Typically, a rate increase is based on the individual experience of the client and whether they have had insurance claims frequently or of a severe nature. Another reason a customer’s rates can rise is the overall [&hellip;]


Rising Insurance Premiums and What You Can do About It

<p><img loading="lazy" decoding="async" class="alignnone size-full wp-image-3447" src="https://wp-stg.zanderins.com/wp-content/uploads/15-5.png" alt="" width="1110" height="411" srcset="https://static.zanderins.com/wp-content/uploads/2021/11/21180258/15-5.png 1110w, https://static.zanderins.com/wp-content/uploads/2021/11/21180258/15-5-300x111.png 300w, https://static.zanderins.com/wp-content/uploads/2021/11/21180258/15-5-1024x379.png 1024w, https://static.zanderins.com/wp-content/uploads/2021/11/21180258/15-5-768x284.png 768w" sizes="auto, (max-width: 1110px) 100vw, 1110px" /></p>
<p>The Internet can be an educational tool, source of entertainment, and method of communication. However, there are a number of risks associated with the Internet as well, so it’s important that we educate our kids about how to be a safe consumer of technology. Here are a few tips for when and how to have these conversations.</p>
<h2>When to have the talk</h2>
<p>When is the right time to start having age-appropriate conversations about online safety? As soon as your child begins using the Internet.  Even if you’re still supervising everything they do on the computer, it’s important to make them aware of the precautions they must take to stay safe.</p>
<h2>What points to cover</h2>
<ul>
<li><strong>Stranger Danger. </strong>This is especially important if your child uses social media sites or gaming consoles that allow them to connect with other people. Xbox and PlayStation 4 are two examples of systems that include this feature. If your child accesses one of these systems, it may be a good idea to adjust the “Privacy and Online Safety” settings to your comfort level.</li>
<li><strong>Mental Health. </strong>Even if they follow all the rules and avoid talking to people they don’t know in real life, bullying is an issue that seems to have only gotten worse with the increase in social media use. Another mental health risk is the time factor–it’s easy for adults to get sucked into technology, and the same applies to our kids! Setting solid guidelines for how much time can be spent on technology is a good way to prevent this issue. The Nintendo Switch even allows parents to control how long the device stays on through their mobile app!</li>
<li><strong>Privacy and Information.</strong> Passwords protect our personal information–but only if those passwords are secure. Educate your child on what makes a password safe. Using a different password for every site and using numbers, capital letters, and special characters are good ways to ensure password security.</li>
</ul>
<h2>Other tips to keep them safe</h2>
<p>When all else fails, monitoring behavior is an effective method to keep your child (especially young ones) safe on the Internet. Keeping the computer in a shared space such as a living room helps encourage safe behavior and allows you to see if they are engaging in any activities that may be unsafe. If your kiddo has a mobile phone or tablet, blocking sites you’re uncomfortable with them visiting is an alternative that still allows you some control over their online activity. In short, <strong>educate</strong> your child about staying safe online, <strong>model </strong>safe practices, and <strong>check in</strong> to make sure those guidelines are being followed.</p>


Read about how to talk to your child about online safety including what points to cover and when to discuss from Zander Insurance.

How To Talk To Your Child About Online Safety | Zander

How to Talk to Your Child about Online Safety

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<p>The holidays are just around the corner, and inboxes across the world are being inundated with news of Black Friday sales. This time of year is an identity thief&#8217;s dream! As the number of purchases you make increases, the chance that you&#8217;ll notice an unusual charge on your bank statement decreases.</p>
<p><img loading="lazy" decoding="async" class="alignnone size-full wp-image-1107" src="https://wp-stg.zanderins.com/wp-content/uploads/Copy-of-fraudweekawarenessstats-1.png" alt="" width="1110" height="311" srcset="https://static.zanderins.com/wp-content/uploads/2019/11/12193832/Copy-of-fraudweekawarenessstats-1.png 1110w, https://static.zanderins.com/wp-content/uploads/2019/11/12193832/Copy-of-fraudweekawarenessstats-1.png 300w, https://static.zanderins.com/wp-content/uploads/2019/11/12193832/Copy-of-fraudweekawarenessstats-1.png 768w, https://static.zanderins.com/wp-content/uploads/2019/11/12193832/Copy-of-fraudweekawarenessstats-1.png 1024w" sizes="auto, (max-width: 1110px) 100vw, 1110px" /></p>
<p>So before you hit the mall (or the Internet, for those of us who prefer Cyber Monday shopping in our pajamas), be sure you know what to look out for. Here are some signs your identity may have been compromised:</p>
<ul>
<li>You receive a credit card you didn&#8217;t apply for in the mail</li>
<li>You see charges, withdrawals, or even deposits you didn&#8217;t make</li>
<li>You stop receiving bank/credit card statements</li>
<li>You receive a statement for a credit card you didn&#8217;t open</li>
</ul>
<p><strong>Unfortunately, you won’t always see these signs – and when you do, it is often too late. </strong>The best way to ensure your identity is protected is to purchase a comprehensive <a href="https://www.zanderins.com/identity-theft-protection">ID theft protection plan</a>. Zander ID Theft Solutions looks for these signs <em>for you. </em>If you do become a victim, Zander will restore your identity and reimburse you for up to $1 million in stolen funds and expenses. This holiday season, protect yourself with the smarter, more affordable solution to identity theft.</p>


Find out information about signs your identity has been stolen from Zander Insurance including how to protect yourself from it.

Signs Your Identity Has Been Stolen | Zander Insurance

Signs Your Identity May Have Been Stolen

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<p class="p1">The SDIR integrates with programs like Social Security and workers compensation to reduce your cost of coverage, offsetting any benefits received from social plans. If you are receiving payments through one of these programs, the insurance company that provides your disability coverage will simply reduce the amount paid to you by the amount of benefit you receive through the social plan.</p>
<p>To give you an example, let’s say that John Doe has a disability policy with a base benefit of $5,200 and his SDIR is $1,800, for a total benefit of $7,000.<span class="Apple-converted-space">  </span>He is guaranteed to receive the total monthly amount of $7,000 but, if he begins receiving Social Security payments, his SDIR will simply be reduced by the amount of benefit he received from the SSA (Social Security Administration).<span class="Apple-converted-space">  </span>The foremost advantage of the SDIR is that, even if he doesn’t receive any payment through a social program, the disability insurance company still gives him the entire $1,800 SDIR benefit in addition to the base benefit of $5,200.</p>
<p>Long-term <a href="https://www.zanderins.com/disability-insurance/instant-quotes">disability insurance</a> is an important component of your overall financial plan, but be wary of the optional riders that can drive up the cost of coverage.<span class="Apple-converted-space">  </span>Dave’s advice is that, if you have a quality long-term disability plan at the right cost for you, additional bells and whistles won’t be needed. It’s also important to remember that your chance of becoming disabled is limited, so balance this expense with other priorities like <a href="https://www.zanderins.com/term-life-insurance/instant-quotes">term life insurance</a>, <a href="https://www.zanderins.com/other-insurance/health-insurance/quotes">health insurance</a>, your retirement plan, among others.</p>


Zander Insurance in Tennessee provides details about the supplemental disability income rider (SDIR) on your disability policy.

Supplemental Disability Income Rider (SDIR) | Zander

<p><img loading="lazy" decoding="async" class="alignnone size-full wp-image-3080" src="https://wp-stg.zanderins.com/wp-content/uploads/benefits-of-independent-insurance-agent.png" alt="" width="1110" height="411" srcset="https://static.zanderins.com/wp-content/uploads/2024/05/02150431/benefits-of-independent-insurance-agent.png 1110w, https://static.zanderins.com/wp-content/uploads/2024/05/02150431/benefits-of-independent-insurance-agent-300x111.png 300w, https://static.zanderins.com/wp-content/uploads/2024/05/02150431/benefits-of-independent-insurance-agent-1024x379.png 1024w, https://static.zanderins.com/wp-content/uploads/2024/05/02150431/benefits-of-independent-insurance-agent-768x284.png 768w" sizes="auto, (max-width: 1110px) 100vw, 1110px" /></p>
<p>When purchasing insurance, navigating through a multitude of options can be overwhelming and time-consuming, especially when you’re shopping one carrier at a time. Choosing to work with an independent insurance agent that shops many carriers offers significant advantages including personalized services, multiple coverage options, and lower premiums than when using a direct agent such as a State Farm, Geico, or Farmers Insurance agent. Let’s explore the benefits of using an independent agent over a captive agent and how this choice can empower consumers in their insurance journey.</p>
<ol>
<li><strong>More Options</strong>: Independent agents represent multiple insurance carriers, granting you access to a wider array of insurance products and coverage choices. This enables them to compare policies from various providers to identify the most suitable one for your requirements and financial situation.</li>
<li><strong>Saving Money</strong>: More options mean more opportunities to save money on premiums without compromising on coverage.</li>
<li><strong>Impartial Guidance</strong>: Being unaffiliated with any single insurer allows independent agents to provide unbiased advice and recommendations tailored to your specific needs. Their focus is on securing the optimal coverage for you rather than promoting a particular company&#8217;s products.</li>
<li><strong>Tailored Assistance</strong>: Independent agents often deliver personalized service by taking the time to comprehend your individual needs and preferences. They offer guidance throughout the insurance process, from policy selection to ongoing support.</li>
<li><strong>Claims Advocacy</strong>: In the event of a claim, independent agents can act as your advocate, guiding you through the claims process to ensure a fair and timely resolution. They also help with any questions or issues that may arise during the process.</li>
<li><strong>Sustained Support</strong>: Independent agents cultivate long-term relationships with clients, providing ongoing assistance even after the policy is in force. They assist in reviewing your coverage periodically to ensure it remains aligned with your evolving needs.</li>
<li><strong>Local Expertise</strong>: Many independent agents are deeply rooted in the communities they serve, offering invaluable local insights and expertise when choosing insurance coverage. They understand the distinct insurance requirements and regulations specific to your area.</li>
<li><strong>Potential Savings</strong>: Despite common misconceptions, utilizing an independent agent may not incur higher costs compared to purchasing insurance directly from a carrier. Because independent agents shop multiple providers, they can find better options and lower rates while still providing the same level of coverage.</li>
</ol>
<p>Overall, working with an independent insurance agent is a smart choice. They can provide you with more options to custom fit your coverage to meet your needs and your budget. They work for you, providing personalized service, answering all your questions, and advocating for you when you need it most, like when you file a claim.</p>


Finding an insurance agent that works for you can be difficult. That is why using an independent insurance agent can be helpful.

Benefits of Using an Independent Insurance Agent

<p style="text-align: left;">The purpose of life insurance is to support your family if something were to happen to you. But is your current policy <em>really</em> enough to take care of them? Hear what Dave has to say below.</p>
<p><iframe loading="lazy" title="Why You Need 10x Of Your Income In Life Insurance" width="500" height="281" src="https://www.youtube.com/embed/xob--CGoUVQ?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen></iframe></p>
<p>Whether you are an income-earner or a stay-at-home parent, <a href="https://www.zanderins.com/term-life-insurance/instant-quotes">term life insurance</a> is an essential part of planning for your financial future. Our Guides shop rates from top-rated companies to make sure you get the most bang for your buck.</p>
<p>Whether you are a first-time buyer or looking to increase your coverage, we are here to help you every step of the way.</p>


Find out how much term life insurance you need from Dave Ramsey whether you are a first time buyer or looking to increase coverage.

How Much Term Life Insurance You Need | Zander Insurance

How Much Do You REALLY Need?

<div id="content_bottom">
<h2><img loading="lazy" decoding="async" class="alignnone size-full wp-image-3207" src="https://wp-stg.zanderins.com/wp-content/uploads/35-1.png" alt="" width="1110" height="411" srcset="https://static.zanderins.com/wp-content/uploads/2018/11/17221707/35-1.png 1110w, https://static.zanderins.com/wp-content/uploads/2018/11/17221707/35-1-300x111.png 300w, https://static.zanderins.com/wp-content/uploads/2018/11/17221707/35-1-1024x379.png 1024w, https://static.zanderins.com/wp-content/uploads/2018/11/17221707/35-1-768x284.png 768w" sizes="auto, (max-width: 1110px) 100vw, 1110px" /></h2>
<h2>Identity Theft: Helpful Links</h2>
<p class="blue">Noted below are a few links to free consumer services that may prove beneficial in your efforts to combat your identity being stolen. Please note that while placing a fraud alert, freezing your credit, and checking your credit report are all valuable tools in reducing your risk, ID theft is not a preventable crime and none of these efforts will completely eliminate the possibility of you becoming a victim. However, when used in conjunction with an <a href="https://www.zanderins.com/identity-theft-protection">ID theft protection plan</a> from Zander Identity Theft Solutions, these proactive measures will ensure that you are well protected if you do become a victim.</p>
<h2>Annual Credit Report.com</h2>
<p><a href="https://www.annualcreditreport.com" target="_blank" rel="noopener noreferrer">https://www.annualcreditreport.com</a> or call <a href="tel:+18773228228">877-322-8228</a><br />
This site allows you to request your free consumer credit report once a year from each of the nationwide consumer credit reporting agencies: Equifax, Experian, and TransUnion. We strongly recommend a self-monitoring method of accessing your free credit reports throughout the year. However, since not all lenders access credit bureau reports prior to extending credit, and identity theft involves much more than just credit-related fraud (i.e. employment, medical, criminal, benefit, and Social Security fraud), monitoring your credit report has significant limitations and is not an effective tool by itself. Remember that your spouse is eligible for the same free consumer services and checking both of your reports, if applicable, is highly recommended. In addition, please be aware that access to your credit report is free and that none of the additional services offered at <a href="https://www.annualcreditreport.com" target="_blank" rel="noopener noreferrer">https://www.annualcreditreport.com</a> or the credit bureau sites are necessary to retrieve your free report.</p>
<h2>Fraud Alert</h2>
<p>You can add a fraud alert to your credit report for up to one year under new legislation to help protect your credit information. A fraud alert can make it tougher for a thief to open accounts in your name. When a fraud alert is present on your report, creditors are supposed to verify your identity before extending credit, usually with a phone call. There are many lenders such as “Quick Cash” outlets and other vendors that do not use credit reports prior to their lending activity so fraud alerts can be of limited value but are certainly worth considering. Fraud alerts can be placed online, or you can call the credit bureau directly – directions for each method are below, and Experian will even notify the other two credit bureaus on your behalf.<br />
<b>Online: </b><a href="https://www.experian.com" target="_blank" rel="noopener noreferrer">https://www.experian.com</a>. At the bottom of the page, click on Fraud Alert. You will be given the option to add a temporary, one-year fraud alert &#8211; simply complete the form and verify your identity. You will also be provided access to your credit report. We recommend you print it and review it carefully. The other two credit bureaus will automatically be notified on your behalf.<br />
<b>Phone:</b> Call Equifax at <a href="tel:+18887660008">1-888-766-0008</a>. Follow the instructions to place your fraud alert. They will also notify the other two credit bureaus on your behalf.</p>
<h2>Credit Freeze</h2>
<p>A credit freeze offers the opportunity to lock down your credit, stopping a thief from using your information to open a new credit account. This can be an effective tool for those who do not utilize credit (or do so infrequently) in their lifestyle, but could create a delay and frequent inconveniences if access to your credit report is needed for things like renting an apartment, buying a home, cell phone and utility review or applying for a credit (a Dave Ramsey no-no). There no longer fees associated with freezing and “thawing” your credit file and these activities can be conducted online in most cases.<br />
It’s important to note that a credit freeze only prevents new accounts from being opened; credit card companies and banks where you have existing accounts can still check your credit report, and businesses that do not seek credit reports before extending credit would not be included.</p>
<h3><b>Experian Freeze </b></h3>
<p>Online: <a href="https://www.experian.com/ncaconline/freeze" target="_blank" rel="noopener noreferrer"><b>https://www.experian.com/ncaconline/freeze</b></a><br />
By Phone: <a href="tel:+18883973742">888-397-3742</a><br />
By Mail: Experian Security Freeze, P.O. Box 9554, Allen, TX 75013</p>
<h3><b>TransUnion Freeze</b></h3>
<p>Online: <a href="https://www.transunion.com/credit-freeze" target="_blank" rel="noopener noreferrer"><b>https://www.transunion.com/credit-freeze</b></a><br />
By Phone: <a href="tel:+18889098872">888-909-8872</a><br />
By Mail: Trans Union, LLC, P.O. Box 2000, Chester, PA 19106</p>
<h3><b>Equifax Freeze</b></h3>
<p>Online: <a href="https://www.equifax.com/personal/credit-report-services/credit-freeze/" target="_blank" rel="noopener noreferrer"><strong>https://www.equifax.com/personal/credit-report-services/credit-freeze/</strong></a><br />
By Phone: No phone access<br />
By Mail: Equifax Security Freeze, P.O. Box 105788, Atlanta, GA 30348</p>
<h2>Child Identity Theft Inquiry</h2>
<p>Children are a target for identity theft because the theft of a child&#8217;s identity could go undetected for years. Identity theft could affect your child&#8217;s future credit and employment history if thieves obtain credit accounts &#8211; or even get jobs &#8211; using your child&#8217;s identity.<br />
TransUnion now provides a secure online form that you can complete and submit to find out if your child has a credit file. Once you submit the form you will receive an email reply within 24 hours letting you know if there is a credit file with your child&#8217;s Social Security number.</p>
<h2>OptOutPreScreen.com</h2>
<p><a href="https://www.optoutprescreen.com/?rf=t" target="_blank" rel="noopener noreferrer">https://www.optoutprescreen.com</a></p>
<p>OptOutPrescreen.com lets you Opt out of receiving pre-approved, unsolicited credit and insurance offers in the mail. You are given the choice of opting out for five years or you can opt out of firm offers permanently. With just a quick look in your mailbox, identity thieves can locate enough information from offers of credit to open a new account with your name and information. Using this free service reduces the volume of mail that you receive, diminishing the probability of becoming a victim of fraud.</p>
<h2>National Do Not Call Registry</h2>
<p><a href="https://www.donotcall.gov" target="_blank" rel="noopener noreferrer">https://www.donotcall.gov</a></p>
<p>By signing up for the Do Not Call registry, you will drastically reduce the number of annoying telemarketing calls you receive, which will ultimately reducing your risk of being scammed. The FTC requires all telemarketing firms to check the list every three months. Telemarketing firms are required to clean their telemarketing leads from all registrants of the do not call list. Since the FBI cites telemarketing fraud as one of the most common sources of identity theft, this free service is highly recommended.</p>
<h2>Federal Trade Commission (FTC)</h2>
<p><a href="https://www.ftc.gov" target="_blank" rel="noopener noreferrer">https://www.ftc.gov</a></p>
<p>This website is a one-stop national resource to help you deter, detect, and defend against identity theft. On this site, consumers can learn how to avoid identity theft, and learn what to do if their identity is stolen.</p>
</div>


Zander Insurance endorsed by Dave Ramsey provides id theft resources and helpful links that help ensure customers are protected.

ID Theft Resources And Links | Zander Insurance In TN

Helpful Identity Theft Resources

<p><img loading="lazy" decoding="async" class="alignnone size-full wp-image-3367" src="https://wp-stg.zanderins.com/wp-content/uploads/93.png" alt="" width="1110" height="411" srcset="https://static.zanderins.com/wp-content/uploads/2020/03/20205728/93.png 1110w, https://static.zanderins.com/wp-content/uploads/2020/03/20205728/93-300x111.png 300w, https://static.zanderins.com/wp-content/uploads/2020/03/20205728/93-1024x379.png 1024w, https://static.zanderins.com/wp-content/uploads/2020/03/20205728/93-768x284.png 768w" sizes="auto, (max-width: 1110px) 100vw, 1110px" /></p>
<p class="p1">Liability coverage is an important part of your <a href="https://www.zanderins.com/other-insurance/auto-insurance">auto insurance</a> policy as it helps cover bodily injury and property damage should you be found responsible for an accident. Having the right amount of liability coverage helps to protect your personal finances in the event you are responsible for an accident.</p>
<p class="p1">Dave Ramsey typically recommends a minimum of $100,000 of protection for each person on your policy. You may be thinking, “That seems high, why don’t I just get the minimum amount required and save a few dollars upfront?” Most states require you to have liability coverage, but the amount required is typically much less than what’s recommended and costs around the same amount. Opting for more coverage at a slightly higher cost will save you money in the long run should you ever be found responsible for an accident. Imagine that you’re found responsible for an accident where two people are injured, and their medical costs end up being around $50,000 each. In this case, you’d be covered.</p>
<p class="p1">Dave also recommends choosing a higher deductible on your comprehensive and collision coverage for an added layer of protection. If your personal finances allow, consider carrying an amount of liability coverage equal to or greater than the value of your home.</p>


Look at details about what auto insurance liability limit should I carry from Zander Insurance in Tennessee endorsed by Dave Ramsey.

What Auto Insurance Liability Limit Should I Carry

What Auto Insurance Liability Limit Should I Carry?

<p><img loading="lazy" decoding="async" class="alignnone size-full wp-image-3322" src="https://wp-stg.zanderins.com/wp-content/uploads/87.png" alt="" width="1110" height="411" srcset="https://static.zanderins.com/wp-content/uploads/2020/04/20201932/87.png 1110w, https://static.zanderins.com/wp-content/uploads/2020/04/20201932/87-300x111.png 300w, https://static.zanderins.com/wp-content/uploads/2020/04/20201932/87-1024x379.png 1024w, https://static.zanderins.com/wp-content/uploads/2020/04/20201932/87-768x284.png 768w" sizes="auto, (max-width: 1110px) 100vw, 1110px" /></p>
<p class="p1">As Dave Ramsey says, your greatest asset is your ability to earn an income.<span class="Apple-converted-space">  </span>So what do you do when you’re sick or injured and can’t work?<span class="Apple-converted-space">  </span>That’s where <a href="https://www.zanderins.com/disability-insurance/instant-quotes">long-term disability coverage</a> comes in.<span class="Apple-converted-space">  </span>If you’re just starting to look for long-term disability insurance, first see if you have access to a group plan through your employer. Group plans are typically less expensive and easier to qualify for than if you were to purchase long-term disability insurance on your own.</p>
<p class="p1">If a group plan isn’t offered, or you’d prefer to have an individual policy, Dave Ramsey recommends <i>at least</i> a five-year benefit period (the amount of time you would receive your benefit), since most disabilities are resolved within five years.<span class="Apple-converted-space">  </span>However, if it fits within your budget, a benefit period that lasts until age 65 would be ideal.<span class="Apple-converted-space">  </span></p>
<p>Once you have determined the appropriate benefit period, you’ll need to choose your coverage amount. Dave recommends starting with an amount equal to 60% of your monthly income, which can be reduced over time based on how far you’ve come with attacking debt and growing your savings. To make your policy more affordable, choose an elimination period (the amount of time you must wait to begin receiving the payments) between 90 and 180 days – your emergency fund should cover your expenses until the benefit kicks in.</p>
<p>Be wary of additional riders to these plans, as they don’t typically add much value and only serve to drive up the cost.<span class="Apple-converted-space">  </span>Focus your search on the basics &#8211; a quality, renewable plan through a reputable company.</p>


Read about what long term disability plan benefits you should look for when purchasing coverage from Zander Insurance in Tennessee.

Long Term Disability Plan Benefits | Zander Insurance

What Benefits Should I Look For in a Long Term Disability Plan?

<div id="piggyBank"><img loading="lazy" decoding="async" class="alignnone size-full wp-image-3256" src="https://wp-stg.zanderins.com/wp-content/uploads/38-1.png" alt="" width="1110" height="411" srcset="https://static.zanderins.com/wp-content/uploads/2018/10/20173953/38-1.png 1110w, https://static.zanderins.com/wp-content/uploads/2018/10/20173953/38-1-300x111.png 300w, https://static.zanderins.com/wp-content/uploads/2018/10/20173953/38-1-1024x379.png 1024w, https://static.zanderins.com/wp-content/uploads/2018/10/20173953/38-1-768x284.png 768w" sizes="auto, (max-width: 1110px) 100vw, 1110px" /></div>
<p>If you follow Dave Ramsey’s advice, you probably know that Dave Ramsey <strong>only</strong> recommends term life insurance – but have you thought through how much you’ll need or how long of a term to purchase? What about all those riders . . . are they necessary? Here are some common mistakes to avoid so that you can get the best coverage at the best value for your family.</p>
<h2>Failing to purchase enough coverage.</h2>
<p>First, and foremost, life insurance only serves its purpose when you have the right amount of coverage. That’s why Dave recommends having coverage equal to 10-12 times your income. This may seem like a lot of money, but you never know when or how tragedy may strike. Following this rule of thumb will help to ensure your family would be taken care for all of their financial needs, no matter what comes your way. Be sure both spouses in your family are covered, too. Even stay-at-home parents need life insurance.</p>
<h2>Waiting too long to purchase life insurance.</h2>
<p>Not only could this put your family at serious risk if something were to happen to you, but purchasing term life insurance earlier in your life can save you money in the long run, as rates typically increase with age. Health issues that may arise later in life could increase your premium significantly, and may even make you ineligible to purchase life insurance all together. Some people wait because they think they should put off purchasing life insurance until they’re debt free. This is a common misconception because, when you’re in debt, your family is most vulnerable. In fact, Dave Ramsey says that life insurance is an immediate need – even before the Baby Steps! As you reduce debt and increase savings, you slowly begin to reduce your need for life insurance, but it is necessary to have while you work to reach those goals.</p>
<h2>Choosing too short of a term.</h2>
<p>Purchasing a shorter and less expensive policy may sound appealing, but it could hurt you in the long run. For example, if you buy a ten-year policy and, in ten years, you develop medical issues &#8211; that could raise the cost of your next plan. That’s why Dave typically recommends a 15-20 year term policy. For a family planning on having children in the future, a 30-year plan would make the most sense, whereas a family with small children that doesn’t expect to have any more, a 20-year plan would likely meet their needs.</p>
<h2>Purchasing too many riders.</h2>
<p>Most riders are low on value and high on cost, benefiting no one except the insurance company and agent, who receive extra commissions. Common term life insurance riders include income replacement, waiver of premium, critical illness, and accidental death. They’re marketed to consumers based on emotional value, but they are just a bad deal – a big profit-maker for the insurance company with little value to the policyholder.</p>
<h2>Waiting too long to review your policy.</h2>
<p>Dave recommends reviewing your term life policy every couple of years to ensure it still meets your current needs. The policy you purchased ten years ago may have been great for you then, but likely doesn’t reflect where you are in your life today. Life events like having a baby, getting a raise at work, or quitting smoking would be great reasons to look over your policy again.</p>
<p>Life insurance is an essential piece of your financial planning. Zander Insurance Guides are trained to help you avoid these common life insurance mistakes to get you the right coverage to protect your family. <a href="/term-life-insurance/instant-quotes">Get your free, instant quote</a> or call 800-356-4282 to speak to a Zander Guide.</p>


Read about five term life insurance mistakes to avoid from Dave Ramsey who endorses Zander Insurance like not buying enough coverage.

Five Term Life Insurance Mistakes To Avoid – Dave Ramsey

5 Term Life Insurance Mistakes to Avoid

<p class="p1"><img loading="lazy" decoding="async" class="alignnone size-full wp-image-3251" src="https://wp-stg.zanderins.com/wp-content/uploads/63-1.png" alt="" width="1110" height="411" srcset="https://static.zanderins.com/wp-content/uploads/2018/10/20173936/63-1.png 1110w, https://static.zanderins.com/wp-content/uploads/2018/10/20173936/63-1-300x111.png 300w, https://static.zanderins.com/wp-content/uploads/2018/10/20173936/63-1-1024x379.png 1024w, https://static.zanderins.com/wp-content/uploads/2018/10/20173936/63-1-768x284.png 768w" sizes="auto, (max-width: 1110px) 100vw, 1110px" />\</p>
<p class="p1">When shopping for <a href="https://www.zanderins.com/other-insurance/home-insurance">home</a> or <a href="https://www.zanderins.com/other-insurance/auto-insurance">auto insurance</a>, you’ll likely be offered an umbrella policy, a policy that provides additional coverage beyond your basic policy. Your personal net worth and assets should determine your need for an umbrella policy, because the more net worth and assets you have, the greater risk you carry. In these cases, an umbrella policy can provide you added protection and is considered a worthy investment.</p>
<p class="p1">Once you determine your need for an umbrella policy, you’ll decide what level of coverage makes the most sense for you. The value of your home, and even your profession, can help determine the coverage of your umbrella policy. For example, if you’re a physician, a higher umbrella policy would be recommended because lawsuits filed against physicians tend to be at higher amounts. When determining the right amount for your umbrella policy, keep in mind the cost for additional layers beyond the first million are less expensive, making higher limits a better value. Unless you’ve accumulated significant wealth, a limit within $1-3 million would be an adequate amount of coverage. Depending on your personal financial situation, a lower limit may make more sense. Zander Insurance can help you determine the right umbrella policy for your needs and your budget.</p>


Zander Insurance in Nashville Tennessee provides information about if umbrella policies are necessary and the importance of them.

The Importance Of Umbrella Policies | Zander Insurance

Are Umbrella Policies Necessary?

<p><img loading="lazy" decoding="async" class="alignnone size-full wp-image-3120" src="https://wp-stg.zanderins.com/wp-content/uploads/2-6.png" alt="" width="1110" height="411" srcset="https://static.zanderins.com/wp-content/uploads/2022/05/07183041/2-6.png 1110w, https://static.zanderins.com/wp-content/uploads/2022/05/07183041/2-6-300x111.png 300w, https://static.zanderins.com/wp-content/uploads/2022/05/07183041/2-6-1024x379.png 1024w, https://static.zanderins.com/wp-content/uploads/2022/05/07183041/2-6-768x284.png 768w" sizes="auto, (max-width: 1110px) 100vw, 1110px" /></p>
<p>Let’s talk life insurance. It’s not a topic that often comes up around the dinner table, but it’s important to think about. <a href="https://www.zanderins.com/term-life-insurance/instant-quotes">Term life insurance</a> provides the financial resources your loved ones need to carry on if something happens to you.</p>
<p>Ever wonder if term life insurance is something you really need? Well, you’re in luck &#8211; we’ve compiled a list of people who need it, like, yesterday. . .</p>
<h4>Newlyweds</h4>
<p>The Kitchen Aid mixer, waffle maker, and stemless wine glasses you registered for are great. But do you know what’s even better? Peace of mind. Term life insurance will give your new husband or wife the gift of financial security if they lose the best gift of all (you)!</p>
<p>Think about how your spouse would pay the mortgage or cover funeral expenses if something were to happen to you. In that terrible situation, they shouldn’t have to worry about money on top of heartache.</p>
<p>Term life insurance is the most important gift you can give your new husband or wife. It’s a way for you both to know that your future is secure, even if the worst happens.</p>
<h4>Retirees</h4>
<p>At this point, you’ve earned the right to relax. But if you passed away, would your nest egg be big enough to cover the cost of funeral expenses and any outstanding debts? Do you want to leave behind something more for your family?</p>
<p>This is the time of your life you’ve been working toward, so it’s important to have the right term life insurance policy. We can help you determine exactly how much you need so you can enjoy true peace during this season.</p>
<h4>Parents</h4>
<p>If you have kids, it’s vital that you have the right term life insurance policy in place. You’ll want life insurance on both mom and dad, <a href="https://www.zanderins.com/blog/do-stay-at-home-parents-need-life-insurance" target="_blank" rel="noopener noreferrer">even if one of you stays at home</a>.</p>
<p>That’s because your responsibilities as a parent — including cooking, cleaning, carpooling and caring for children — have costs associated with them. The benefit you bring and the services you provide to the household are invaluable, and your family would take a financial hit if you were to pass away.</p>
<h4>Anyone with Student Loans</h4>
<p>If you’re one of the 45 million people in America who have student loan debt, you should purchase a term life insurance policy. And if you had a parent cosign your loan, or if they took out a Parent PLUS Federal loan, getting life insurance will protect your family from being saddled with your debt if you pass away.</p>
<p>If you’re <a href="https://www.zanderins.com/blog/5-reasons-millennials-need-life-insurance" target="_blank" rel="noopener noreferrer">single</a> and your only financial responsibility is student loan debt, you should be covered with a policy equal to them amount of your debt plus funeral expenses. That way, your parents wouldn’t have to bear a financial burden on top of an emotional one.</p>
<h4>. . . And Everyone Else</h4>
<p>You don’t have a say in when your hourglass runs out of sand. What you <em>do</em> have a say in, however, is how much you leave behind for your loved ones.</p>
<p>Dave Ramsey recommends getting a policy of 10-12 times your annual income. This money is meant to replace your income, pay off any outstanding debts, cover funeral costs, and maybe even help fund college tuition or retirement for whomever you choose as your beneficiary.</p>
<p>If you fall into one of these groups (and you kind of have to, considering one of them is “everyone else”), get an instant quote.  It’s easy, free, and you may just be surprised at how affordable peace of mind can really be!</p>


Find out who needs term life insurance from Zander Insurance like newlyweds, retirees, singles, parents and anyone with student loans.

Who Needs Term Life Insurance | Zander Insurance

Life Insurance . . . Who Needs It?

<p><img loading="lazy" decoding="async" class="alignnone size-full wp-image-3363" src="https://wp-stg.zanderins.com/wp-content/uploads/89.png" alt="" width="1110" height="411" srcset="https://static.zanderins.com/wp-content/uploads/2020/03/20205716/89.png 1110w, https://static.zanderins.com/wp-content/uploads/2020/03/20205716/89-300x111.png 300w, https://static.zanderins.com/wp-content/uploads/2020/03/20205716/89-1024x379.png 1024w, https://static.zanderins.com/wp-content/uploads/2020/03/20205716/89-768x284.png 768w" sizes="auto, (max-width: 1110px) 100vw, 1110px" /></p>
<p>Do you know if you’re getting the best deal on your <a href="https://www.zanderins.com/other-insurance/auto-insurance">auto insurance</a>? It pays (figuratively <em>and </em>literally) to find out. People save an average of $600 a year when they buy through Zander Insurance! If the fear of switching carriers is keeping you from looking into other options, check out these five simple steps to a smooth transition:</p>
<h3>1. Reach out to a Guide</h3>
<p>When you work with Zander, we will let you know what information you’ll need to make the switch, and we’ll walk you through every step of the process. That’s why this is the best place to start – if you have questions as you work through the next few steps, not to worry! Your Zander Guide will be there to (you guessed it) guide you.</p>
<h3>2. Gather necessary information</h3>
<p>Your Zander Guide will tell you what you will need to provide, but here are a few things to begin gathering if you want to get a head start:</p>
<ul>
<li>Driver’s license numbers for all drivers on the policy</li>
<li>Vehicle Information Numbers (VINs) for all cars you’d like covered (don’t worry if you don’t have this – your Zander Guide can likely pull this for you)</li>
<li>Names and dates of birth for everyone on the policy</li>
</ul>
<h3>3. Examine your coverage options</h3>
<p>You shouldn’t just get the minimum coverage required by your state. Your Zander Guide can help you determine how much you need in each of the following categories:</p>
<ul>
<li>Liability coverage: covers damage you cause to another person’s car, passengers, or driver – aim for at least $500,000 in coverage</li>
<li>Collision coverage: covers damage to your own car if you’re in a wreck, regardless of who caused the accident</li>
<li>Comprehensive coverage: covers non-collision damage, such as vandalism, hail, or animals – oh <em>deer!</em></li>
</ul>
<h3>4. Cancel your former policy</h3>
<p>Make sure to do this <em>after </em>your new policy takes effect so there is no lapse in coverage. On the other end of the spectrum, make sure you do it immediately after your new policy takes effect – unless, of course, you want to pay for two policies (we’re guessing that’s a hard no). If you prepaid for your former policy or changed policies in the middle of the month, your former insurance carrier owes you a refund for any unearned premium! When you call them to cancel, be sure to ask about that.</p>
<h3>5. Put your new insurance ID in your glovebox</h3>
<p>Please don’t skip this one! If you get pulled over without proof of insurance, you could face a hefty fine. Most companies will send you a temporary card, but you can usually print one out at home if you’d like one sooner. Download the Zander app for <a href="https://apps.apple.com/us/app/zander-insurance-app/id1176258759" target="_blank" rel="noopener noreferrer">iPhone</a> or <a href="https://play.google.com/store/apps/details?id=com.appliedsystems.mobileinsured.zande01&amp;hl=en_US" target="_blank" rel="noopener noreferrer">Android</a> to access your ID anytime, anywhere.</p>


Find out about switching your auto insurance to Zander Insurance and get the best rate for your policy which will help you save money.

Switching Your Auto Insurance To Zander Insurance

Auto Insurance: Making the Switch

<p><img loading="lazy" decoding="async" class="alignnone size-full wp-image-3483" src="https://wp-stg.zanderins.com/wp-content/uploads/25-3.png" alt="" width="1110" height="411" srcset="https://static.zanderins.com/wp-content/uploads/2020/06/21185358/25-3.png 1110w, https://static.zanderins.com/wp-content/uploads/2020/06/21185358/25-3-300x111.png 300w, https://static.zanderins.com/wp-content/uploads/2020/06/21185358/25-3-1024x379.png 1024w, https://static.zanderins.com/wp-content/uploads/2020/06/21185358/25-3-768x284.png 768w" sizes="auto, (max-width: 1110px) 100vw, 1110px" /></p>
<p><span style="font-size: 22px; line-height: 35px;">If you notice suspicious activity and are a member of Zander Identity Theft Solutions, contact us right away so that we can open a case on your behalf and restore your account to its pre-theft status. We encourage you to join our plan if you are not yet a member because, once you have been a victim of ID theft, you are at a higher risk of being victimized again in the future. </span></p>
<hr />
<p>While we cannot help you with an ID Theft event that happens before you become a member, we have several helpful resources on our <a href="https://www.zanderins.com/identity-theft-protection/resources">Helpful Links page</a>, which include: how to place fraud alerts, how to view and access your credit report, and much more. It is crucial to include that, if you were involved in a data breach, it does not make you a victim of ID Theft. Your data being compromised in a data breach does put you more at risk, but you are only considered a victim if a thief illegally uses your information so you would remain eligible to enroll in our plan and have any future events covered.</p>
<p>As a member of <a href="https://www.zanderins.com/identity-theft-protection">Zander ID Theft Solutions</a>, you not only receive unlimited recovery services to clear up fraud if you fall victim to it, but you also get alerts of suspicious activity, up to $1 million in stolen funds protection and reimbursement, lost wallet protection and much more. Our team of experts is here to help 24/7/365 for your convenience and peace of mind.</p>


Find out what to do if you are a victim of identity theft like how to place fraud alerts, access your credit report and more from Zander Insurance.

What Do I Do if I’m a Victim of Identity Theft? | Zander Insurance

What Do I Do if I’m a Victim of Identity Theft?

<p><img loading="lazy" decoding="async" class="alignnone size-full wp-image-3317" src="https://wp-stg.zanderins.com/wp-content/uploads/82.png" alt="" width="1110" height="411" srcset="https://static.zanderins.com/wp-content/uploads/2020/04/20201916/82.png 1110w, https://static.zanderins.com/wp-content/uploads/2020/04/20201916/82-300x111.png 300w, https://static.zanderins.com/wp-content/uploads/2020/04/20201916/82-1024x379.png 1024w, https://static.zanderins.com/wp-content/uploads/2020/04/20201916/82-768x284.png 768w" sizes="auto, (max-width: 1110px) 100vw, 1110px" /></p>
<p>Take a moment to think about yourself and three other people in your life. Maybe someone in your family, someone you work with, and a longtime friend.</p>
<p>Statistically speaking, one of you hasn’t read a single book in the last year.<sup>(</sup><sup><a href="https://www.pewinternet.org/2016/09/01/book-reading-2016/" target="_blank" rel="noopener noreferrer">1</a></sup><sup>)</sup> One of you isn’t saving anything for retirement,<sup>(</sup><sup><a href="https://www.cnbc.com/2019/03/14/heres-how-many-americans-are-not-saving-any-money-for-emergencies-or-retirement-at-all.html" target="_blank" rel="noopener noreferrer">2</a></sup><sup>)</sup> one of you will get cancer,<sup>(</sup><sup><a href="https://www.cancer.org/cancer/cancer-basics/lifetime-probability-of-developing-or-dying-from-cancer.html" target="_blank" rel="noopener noreferrer">3</a></sup><sup>)</sup> and, according to the Social Security Administration, one of you will be out of work for at least a year because of a disability.<sup>(</sup><sup><a href="https://www.ssa.gov/oact/NOTES/ran6/an2017-6.pdf" target="_blank" rel="noopener noreferrer">4</a></sup><sup>)</sup></p>
<p>That last one is something you don’t hear much about, but it affects more people than you think — and it could affect you. That’s why working without long-term disability insurance is a bad idea. <strong>The good news is &#8211; there’s no need to live in fear.</strong> Our Zander Insurance Guides are here to help you make sure you don’t lose your independence because of disability.</p>
<h2>What Is Disability Insurance?</h2>
<p><a href="https://www.zanderins.com/disability-insurance/instant-quotes">Disability insurance</a> is a barrier between you and loss of income by replacing most of your income if something unexpected happens and you become too sick or injured to return to work.</p>
<p>The illness or injury doesn’t have to take place at work, and most disability insurance claims are for things you may not even realize are considered disabilities – a heart attack, cancer, or injuries from an accident are just a few examples. These things can really happen to anyone.</p>
<p>Disability insurance premiums are generally pretty inexpensive, and will depend on several different factors, such as:</p>
<ul>
<li>Your age</li>
<li>Your state of health</li>
<li>The risk level of your work</li>
</ul>
<p>For example, if you’re 30, healthy, and work behind a desk, long-term disability insurance can cost as little as 1% of your annual salary. This can be broken down into minimal monthly payments. As you age, however, your premiums will increase. If your health deteriorates, you may find it hard to qualify for an affordable policy at all.</p>
<h2>What Happens If I Become Disabled?</h2>
<p>If you’re part of the 68% of people<sup>(</sup><sup><a href="https://www.ssa.gov/news/press/factsheets/basicfact-alt.pdf" target="_blank" rel="noopener noreferrer">5</a></sup><sup>)</sup> working with no disability insurance, an injury or illness could put you and your family’s financial stability in jeopardy. Just imagine the financial stress of being out of work on top of trying to recover from an injury or disease that requires surgery, rest, and rehabilitation – or, even worse – if you find out you can never go back to work because of injury or illness.</p>
<p>Do you have enough cash saved up to replace your income for an extended period of time? Remember, long-term disability happens to <strong>one in four </strong>people. If you live your life without disability insurance, you’re rolling the dice.</p>
<p>Disability insurance allows you to take the time you need to heal without losing your paycheck. A good disability insurance policy will pay out between 60-70% of your current take-home pay, and Zander can help you find the right plan for you.</p>
<p>Disability insurance is a critical piece of keeping your future secure, no matter what life throws your way. Let our pros do the work for you and keep your family protected.</p>


Read about why you should not let a disability steal your independence and how to get coverage from Zander Insurance in Tennessee.

You Should Not Let A Disability Steal Your Independence

Don’t Let Disability Steal Your Independence

<p>&nbsp;</p>
<p><img loading="lazy" decoding="async" class="alignnone size-full wp-image-3302" src="https://wp-stg.zanderins.com/wp-content/uploads/69-1.png" alt="" width="1110" height="411" srcset="https://static.zanderins.com/wp-content/uploads/2018/11/20194854/69-1.png 1110w, https://static.zanderins.com/wp-content/uploads/2018/11/20194854/69-1-300x111.png 300w, https://static.zanderins.com/wp-content/uploads/2018/11/20194854/69-1-1024x379.png 1024w, https://static.zanderins.com/wp-content/uploads/2018/11/20194854/69-1-768x284.png 768w" sizes="auto, (max-width: 1110px) 100vw, 1110px" /></p>
<p>You can most effectively combat identity theft by enrolling in a program that combines prevention components with full-service recovery. The truth is that no plan can thoroughly prevent ID theft 100% of the time, so we have integrated the tools that help reduce your risk while providing critical recovery services if an ID theft event does occur. No matter the cost or how long it takes, our certified recovery specialists will take care of restoring your identity to pre-theft status if you fall victim to this expensive, time-consuming, and terrifying crime.</p>
<p>As part of our prevention services, we monitor your personal information, searching the web and other databases for signs of misuse. Additionally, we provide online cybersecurity services such as VPN (a virtual private network) and antivirus software that allow you to browse the web, stream content, shop, and bank online with encryption. Looking after and reducing access to your information is an important step to reduce becoming an identity theft victim.</p>
<p>Regardless of the fraud committed- financial, Social Security or unemployment, medical id theft, crimes committed in your name, etc, our restoration services cover it all. To minimize the impact on your daily life, we provide white-glove service and recover your identity as fast as possible.<br />
As an added benefit, our members receive up to $1,000,000 ($2,000,000 on family plans) in stolen funds protection and expense reimbursement coverage, including legal fees, lost wages, and more. Our family plan covers any two adults and children at no cost. Our U.S.-based support is offered 24/7/365 to assist you in whatever you might need, such as reviewing your credit reports and accessing free services credit card opt-out, do-not-call lists, placing fraud alerts, freezing your credit, and more.</p>
<p>We have developed the most thorough and affordable plan that helps reduce your risk of falling victim to identity theft. With <a href="https://www.zanderins.com/identity-theft-protection">Zander Identity Theft Solutions</a>, if you are a victim, you will receive immediate and effective assistance from a team you can trust to handle the problem and limit the hassles caused by having your identity stolen. That is why Dave Ramsey has only ever recommended and used our plan for his family and all his team members. Check out our comprehensive options or call us toll-free at <a href="tel:18882103274;">1.888.210.3274</a>.</p>


Read details about how the Zander ID Theft Plan works and more information about protecting your identity through our protection plans.

How Does The Zander ID Theft Plan Work? | Zander Insurance

How Does Zander’s ID Theft Plan Work?

<p>&nbsp;</p>
<p class="p1"><img loading="lazy" decoding="async" class="alignnone size-full wp-image-3370" src="https://wp-stg.zanderins.com/wp-content/uploads/96.png" alt="" width="1110" height="411" srcset="https://static.zanderins.com/wp-content/uploads/2020/03/20205737/96.png 1110w, https://static.zanderins.com/wp-content/uploads/2020/03/20205737/96-300x111.png 300w, https://static.zanderins.com/wp-content/uploads/2020/03/20205737/96-1024x379.png 1024w, https://static.zanderins.com/wp-content/uploads/2020/03/20205737/96-768x284.png 768w" sizes="auto, (max-width: 1110px) 100vw, 1110px" /></p>
<p class="p1">We often get the question, “Do I really need renter’s insurance?” And Dave’s answer will always be Yes, unless you have the financial means to replace all of your personal items – including your television, furniture, clothing and more – in the event of a major catastrophic loss. If not, then you’re strongly advised to carry renter’s insurance. Without it, you could be stuck scrambling to replace personal items if something were to happen to the home or apartment you’re renting. Even if you <i>do</i> have the funds to replace items in the event of a fire, burglary or other catastrophic event, renter’s insurance is an affordable option to protect yourself. Before you purchase a renter’s insurance policy, take some time to understand how it works and the benefits of renter’s insurance.</p>
<p class="p1">Renter’s policies are very similar to the coverage you might expect from a <a href="https://www.zanderins.com/other-insurance/home-insurance">homeowner’s policy</a>, with the biggest difference being building coverage. Renter’s policies cover the same exposures as a homeowner’s policy, including fire, lightning, theft, windstorms and other catastrophic events. To determine the appropriate amount of coverage for your renter’s policy, you will need to place a value on the cost of replacing all your personal items. It’s generally a good idea to pad these numbers a little bit, since your policy pays to replace up to the limit you purchase. Costly items like jewelry, firearms and art require a separate schedule to protect these items. Once you’ve determined the right amount of coverage based on your personal items, don’t forget to opt in for Personal Liability Protection. Personal Liability Protection covers you for bodily injury or property damage caused by a third party at your rental home or apartment. This is an important add-on to renter’s insurance, as it protects your personal assets from lawsuits that could arise from the rental of the property.</p>


Find out why you need renters insurance and about policies from Zander Insurance in Nashville Tennessee endorsed by Dave Ramsey.

Why You Need Renters Insurance | Zander Insurance

Do We Need Renters Insurance?

<p><img loading="lazy" decoding="async" class="alignnone size-full wp-image-2741" src="https://wp-stg.zanderins.com/wp-content/uploads/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="auto, (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>
<hr />
<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 loading="lazy" decoding="async" class="alignnone size-full wp-image-3314" src="https://wp-stg.zanderins.com/wp-content/uploads/79.png" alt="" width="1110" height="411" srcset="https://static.zanderins.com/wp-content/uploads/2020/04/20201905/79.png 1110w, https://static.zanderins.com/wp-content/uploads/2020/04/20201905/79-300x111.png 300w, https://static.zanderins.com/wp-content/uploads/2020/04/20201905/79-1024x379.png 1024w, https://static.zanderins.com/wp-content/uploads/2020/04/20201905/79-768x284.png 768w" sizes="auto, (max-width: 1110px) 100vw, 1110px" /></p>
<p>Half of American families would suffer financially in less than a month if the primary wage-earner became too sick to work. The average time someone is out of work due to long-term disability is 2.5 years. Could your family get by without your income for that long? For most of us, the answer is “no.”</p>
<p>For many families, that means they would not be able to pay the mortgage, transportation costs, utilities, or even put food on the table. That’s why disability is the leading cause of foreclosure and bankruptcy – and it happens to more people than you may think. Studies show that 1 in 4 people will have a disabling event before retirement.</p>
<h3>The Solution</h3>
<p><a href="https://www.zanderins.com/disability-insurance/instant-quotes">Disability insurance</a> is an affordable way to prevent your family from facing financial instability if you become ill or injured and can’t work. A good policy will provide income that will help you pay your bills and maintain your way of life. Dave Ramsey even says it’s “just as important as life insurance!”</p>
<h3>Why Zander?</h3>
<p>Zander Insurance has been nationally endorsed by Dave Ramsey for over 20 years because we offer plans that protect your family and your wallet. He says “Zander provides the broadest eligibility for all types of professions and avoids add-on coverages that just waste your money.” Our Zander Guides will help you customize a policy to fit your needs. That’s the Zander Way.</p>


Read about how to avoid foreclosure and bankruptcy with disability insurance which is an affordable way to protect your assets.

Avoid Foreclosure and Bankruptcy | Zander Insurance

Avoid the #1 Cause of Foreclosure and Bankruptcy

<p><img loading="lazy" decoding="async" class="alignnone size-full wp-image-3364" src="https://wp-stg.zanderins.com/wp-content/uploads/90.png" alt="" width="1110" height="411" srcset="https://static.zanderins.com/wp-content/uploads/2020/03/20205719/90.png 1110w, https://static.zanderins.com/wp-content/uploads/2020/03/20205719/90-300x111.png 300w, https://static.zanderins.com/wp-content/uploads/2020/03/20205719/90-1024x379.png 1024w, https://static.zanderins.com/wp-content/uploads/2020/03/20205719/90-768x284.png 768w" sizes="auto, (max-width: 1110px) 100vw, 1110px" /></p>
<p>Purchasing car insurance is one of the most important things you can do to protect yourself.</p>
<p>Why? Well, it’s the law, for one thing. Another reason? The average amount auto insurance pays out per accident is between $3,000-$4,000. There are about 6 million car accidents in the U.S. <em>every year</em>, and half of them result in injury.<sup><a href="https://www.driverknowledge.com/car-accident-statistics/" target="_blank" rel="noopener noreferrer">1</a></sup><sup>  </sup>If there are injuries in a wreck, the cost of a claim skyrockets. You don’t want to get stuck paying that kind of money out-of-pocket!</p>
<p>You might think that most car accidents happen during the winter months, when weather conditions like snow and ice make driving extra risky. But in reality, August is the most dangerous month for drivers.</p>
<p>Why August is the most dangerous is a bit of a mystery, but study upon study — year after year — confirms this month still holds the title. So now is the perfect time to make sure you have the right coverage for you. Even if you’re already insured, we can shop current rates and save you a lot of money!</p>
<h4><strong>Do You Have the Right Auto Insurance?</strong></h4>
<p>There are several options to choose from when it comes to <a href="https://www.zanderins.com/other-insurance/auto-insurance">auto insurance</a>, so it’s worth it to shop rates once a year. Here are some types of coverage to look for in your auto insurance policy:</p>
<ul>
<li><strong>Liability Coverage: </strong>If you’re at fault for an accident, this coverage will cover the costs of any damage or injuries caused in the crash. Most states have minimum requirements for this. Here at Zander, our Guides are trained to know the laws in each state, so that we can get you the right amount of coverage.</li>
<li><strong>Collision Coverage:</strong> If you’re in a wreck, this will cover the cost of repairing or replacing your vehicle.</li>
<li><strong>Comprehensive Coverage:</strong> This insurance covers any losses related to your vehicle, including theft, vandalism, fire, and hail.</li>
</ul>
<h4><strong>How Zander Saves You Money on Auto Insurance</strong></h4>
<p>Car insurance doesn’t have to break the bank. Zander’s nationwide service compares multiple insurance plans, helping you find the most competitive rates for the exact coverage you need! The best part? <strong>We shop rates for free.</strong></p>
<p>Here are 7 advantages to working with us:</p>
<ol>
<li>We represent the country&#8217;s top independent auto insurers.</li>
<li>We’ll give you multiple quotes to make sure you get the right coverage for the most competitive price.</li>
<li>We’re happy to help you understand the different coverages that are suitable for your insurance needs and your budget.</li>
<li>We will review your policy each year to make sure your rates stay as low as possible.</li>
<li>Easy payment options, flexible down payments, and personalized service.</li>
<li>With four generations and nearly 100 years of experience, we&#8217;ll be here to help you each step of the way.</li>
<li>Our partnership with Answer Financial allows you to compare and save online in all 50 states.</li>
</ol>
<p>What are you waiting for? Let us help you find the best rates!</p>


Read about why you need auto insurance now from Zander Insurance including details about different coverages and how you can save.

Why You Need Auto Insurance Now | Zander Insurance

Why You Need Auto Insurance . . . Like, Now

<h2><img loading="lazy" decoding="async" class="alignnone size-full wp-image-3320" src="https://wp-stg.zanderins.com/wp-content/uploads/85.png" alt="" width="1110" height="411" srcset="https://static.zanderins.com/wp-content/uploads/2020/04/20201926/85.png 1110w, https://static.zanderins.com/wp-content/uploads/2020/04/20201926/85-300x111.png 300w, https://static.zanderins.com/wp-content/uploads/2020/04/20201926/85-1024x379.png 1024w, https://static.zanderins.com/wp-content/uploads/2020/04/20201926/85-768x284.png 768w" sizes="auto, (max-width: 1110px) 100vw, 1110px" /></h2>
<h2>Guaranteed Renewable</h2>
<p class="p1">A feature that allows you to renew the policy to age 65. As long as premiums are paid when due, Assurity will not cancel or change your policy. Premiums can only be changed for all insured persons in the same class if approved by the<br />
state insurance department in your state.</p>
<h2>Benefit Period</h2>
<p class="p1">The maximum period of time that monthly benefits are payable to you for a given total disability.</p>
<h2>Elimination Period</h2>
<p class="p1">The number of consecutive days that you must be totally disabled before the monthly benefit amount becomes payable.</p>
<h2>Occupation Class</h2>
<p class="p1">Indicates your job classification by level of risk, ranging from 1A, being the most hazardous, to 4A, being the safest. A designation of NE would mean you are not eligible for coverage. If uncertain, consult with an agent representative from Zander Insurance to determine your current occupational class.</p>
<h2>Non-integrated Base Coverage</h2>
<p class="p1">The part of your disability income insurance policy that pays you a monthly benefit as defined in the policy regardless of social insurance benefits you receive.</p>
<h2>Social Insurance Rider</h2>
<p class="p1">The part of your disability income insurance policy that pays you a monthly benefit as defined in the policy reduced by any social insurance benefits you receive such as Social Security and Worker&#8217;s Compensation. This rider is utilized since<br />
eligibility for many social insurance programs are limited due to restrictive definitions of disability and lengthy waiting periods. For example &#8211; some social insurance programs require that your disability must prevent you from being able to<br />
perform any substantial or gainful work and must be expected to last for at least twelve months or result in death. If you qualify for Social Security or another social insurance program, then your benefit from this rider is reduced by an amount equal to the social benefit you receive. However, if you do not qualify for any social insurance, the rider keeps paying the full benefit. This rider helps assure your income replacement is maintained at the benefit level you selected while reducing the overall premium cost. It&#8217;s a win-win situation &#8211; with the social insurance rider you receive benefits while you pay less.</p>
<h2>Partial Disability</h2>
<p class="p1">A sickness or injury that keeps you from being employed on a full-time basis. According to the policy, 50% of the monthly benefit will be paid for each month of a partial disability from your injury or sickness for up to six months, if following a period of compensable total disability. The combined period of total and partial monthly benefit payments cannot extend beyond the policy&#8217;s benefit period.</p>
<h2>&#8220;Own Occupation&#8221; Definition of Total Disability</h2>
<p class="p1">If you are unable to perform the important, substantial and material duties of your own occupation due to accident or sickness and require a physician&#8217;s care. This definition is applicable during the first two years of disability after the<br />
elimination period has been satisfied.</p>
<h2>&#8220;Any Gainful Occupation&#8221; Definition of Total Disability</h2>
<p class="p1">If you are unable to perform the substantial and material duties of any gainful occupation, require a physician&#8217;s care and are not engaged in any job for wage or profit. “Any gainful occupation” is an occupation which fits you by education, training and experience and replaces 60% or more of your previous income. This definition is used after benefits have been paid for two years, applicable only if the insured person has selected a benefit period of five years, ten years or to age 65.</p>
<h2>Waiver of Premium</h2>
<p class="p1">A provision in the policy that waives premiums following 90 days of total disability, or following the elimination period, if shorter. If a period of total disability extends beyond the elimination period and benefits become payable, premiums paid during the elimination period will be refunded. Waiver of premium stops when your total disability ends or at the end of the benefit period, whichever is first.</p>
<h2>Survivor Benefit</h2>
<p class="p1">A benefit available at no additional cost that pays a lump sum benefit to a named beneficiary in the event that you have been receiving monthly benefits for at least 12 months and then die. The lump sum death benefit is six times the monthly benefit.</p>
<p class="p1">* These descriptions are intended to be accurate representations of features found in disability insurance policies but are not meant to represent specific provisions for any policy described on this site.<br />
For more information on product features, please contact us toll free at <a href="tel:1-800-356-4282">(800) 356-4282</a> or by email at <a href="mailto:info@zanderins.com">info@zanderins.com</a>.</p>


Disability insurance education like definitions of the most frequently used terms is described from Zander Insurance in Nashville TN.

Disability Insurance Education | Zander Insurance in TN

Disability Education

<p><img loading="lazy" decoding="async" class="alignnone size-full wp-image-2737" src="https://wp-stg.zanderins.com/wp-content/uploads/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="auto, (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 loading="lazy" decoding="async" class="alignnone size-full wp-image-3362" src="https://wp-stg.zanderins.com/wp-content/uploads/88.png" alt="" width="1110" height="411" srcset="https://static.zanderins.com/wp-content/uploads/2020/03/20205714/88.png 1110w, https://static.zanderins.com/wp-content/uploads/2020/03/20205714/88-300x111.png 300w, https://static.zanderins.com/wp-content/uploads/2020/03/20205714/88-1024x379.png 1024w, https://static.zanderins.com/wp-content/uploads/2020/03/20205714/88-768x284.png 768w" sizes="auto, (max-width: 1110px) 100vw, 1110px" /></p>
<p>Storms are called natural <em>disasters </em>for a reason. If you’ve experienced a catastrophic event, you know how stressful recovery can be, both physically and financially. Let us be a resource for you as you figure out your next steps.</p>
<h3>If Your Home is Damaged . . .<strong><br />
</strong></h3>
<ul>
<li>Take pictures of as much damage as you can for documentation for the adjuster, documenting with video when you can. At the very least, make a written list of all belongings; it is very difficult to recall from memory all your personal belongings, especially in times of crisis.</li>
<li>If there is a partial loss or significant damage, try to cover as much as possible to prevent further damage – <em>only</em> if the area is safe.</li>
<li>Notify your insurance agent of your claim as quickly as possible.</li>
<li>When contacting a contractor, find out as much information about them prior to signing an agreement. The carriers may also have a list of approved contractors, don’t be afraid to ask.</li>
<li>Discuss additional living expenses with your adjuster. If your <a href="https://www.zanderins.com/other-insurance/home-insurance">home</a> is uninhabitable, the insurance company could provide living expenses up to the limits of the policy, or an advance to pay for repairs to begin.</li>
<li>Discuss with adjuster any trees that are blocking access to the home, as well as damage to adjacent structures like retaining walls, garages, pools, etc.</li>
<li><strong>Rely on your insurance agent.</strong> In a catastrophic situation, when resources are often strained, your agent can make sure you get the attention you need.</li>
</ul>
<h3>If Your Car is Damaged . . .</h3>
<ul>
<li>Take photos and/or video of all the damage. Be aware of broken glass or any other damage that could be harmful during your inspection.</li>
<li>Notify your insurance agent of your claim as quickly as possible.</li>
<li>If the vehicle is not operable, have a repair shop in mind that you want to use. Alternatively, you can ask your adjuster for an approved shop.</li>
<li>The shop can organize towing between the vehicle’s location and the repair shop of your choice.</li>
<li>Be aware of your deductible. If there is damage to both your home and <a href="https://www.zanderins.com/other-insurance/auto-insurance">automobile</a>, ask your adjuster if there will be one deductible only.</li>
<li><strong>Rely on your insurance agent.</strong> They are here to help you get the attention you need.</li>
<li>From the moment you lose use of your car, keep receipts for any items you purchased, including food, clothing, transportation expenses, or temporary lodging. Keep a record of these and provide to the adjuster.</li>
</ul>
<h3>If Your Business is Damaged . . .</h3>
<ul>
<li>Notify your insurance agent of your claim as quickly as possible.</li>
<li>Use caution when entering your impacted business premises due to risks surrounding structural, gas, and electrical exposures.</li>
<li>Take photos and/or video of all the damage.</li>
<li>Contact a restoration company to begin the cleanup process. Your insurance agent can provide assistance with reputable providers.</li>
<li>Notify your employees of revised work schedules.</li>
<li>Expect contact from your insurance adjuster within 48 hours.</li>
<li>Keep all receipts connected with clean up and repair to submit to the insurance adjuster.</li>
</ul>
<p>No matter what the damage is, we are here to help. Give us a call at <a href="tel:18003564282">1.800.356.4282</a> with questions or for help filing claim.</p>


Find out what next steps are from getting storm damage from a natural disaster from Zander Insurance who helps guide you through it.

Storm Damage - Natural Disaster Plan | Zander Insurance

Storm Damage: What Now?

<p><span style="font-size: 22px; line-height: 35px;"><img loading="lazy" decoding="async" class="alignnone size-full wp-image-2913" src="https://wp-stg.zanderins.com/wp-content/uploads/Flood-blog-image-header.png" alt="" width="1110" height="411" srcset="https://static.zanderins.com/wp-content/uploads/2023/03/30151100/Flood-blog-image-header.png 1110w, https://static.zanderins.com/wp-content/uploads/2023/03/30151100/Flood-blog-image-header-300x111.png 300w, https://static.zanderins.com/wp-content/uploads/2023/03/30151100/Flood-blog-image-header-1024x379.png 1024w, https://static.zanderins.com/wp-content/uploads/2023/03/30151100/Flood-blog-image-header-768x284.png 768w" sizes="auto, (max-width: 1110px) 100vw, 1110px" /></span></p>
<p><span style="font-size: 22px; line-height: 35px;">Do you have protection for a 99% problem? </span><span style="font-size: 22px; line-height: 35px;">Although only 3% of homeowners see flooding as a risk to their homes, 99% of US counties have experienced flooding in the last 25 years, according to FEMA. Scientists expect the frequency and intensity of flooding to increase as climate change continues to create more intense precipitation and sea level rise is accelerating.</span></p>
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<h3>About $1000 per year protects from a $50,000 disaster</h3>
<h3>As a homeowner, you’re likely aware that standard homeowners&#8217; insurance policies won’t cover flood damage to your home and belongings from storm surges, river and stream overflows, and flash floods. And while only 15% of property owners carry flood insurance, the average National Flood Insurance Program (NFIP) flood claim payout to those who do is over $50,000, according to FEMA’s latest 2019 figures.<br />
Flood insurance is available through NFIP and private market carriers. Average annual flood insurance costs depend on several factors, from your home’s structure and elevation to frequency of flooding and distance to water. Overall costs range by state from $629 to $1410.</h3>
<p>Federal Aid Challenges</p>
<p>Some homeowners believe that federal disaster aid will cover them in the event of an unexpected flood. However, what they don’t realize is:<br />
• Disaster aid isn’t offered after every flood<br />
• Disaster aid often takes months<br />
• Uninsured flood victims then get a disaster loan from the SBA</p>
<p>Meanwhile, the damage is done, and funding for repairs doesn’t come quickly, if at all. Yet, those who choose to carry flood insurance can get claims quickly processed and begin to recover from the damage to their home and belongings.</p>
<h3>5 Ways to Reduce Flood Insurance Costs</h3>
<p>Even though the average premium is worth the protection, homeowners have a few options for reducing policy costs. Consider:<br />
1. Choosing a higher deductible<br />
2. Taking steps to mitigate flood risks, like elevating HVAC units above the first floor<br />
3. Getting an elevation certificate<br />
4. Qualifying for the NRIP Community Rating System discount<br />
5. Comparing NFIP rates to the private market<br />
Discover more about NFIP’s specific building and belongings flood coverage, replacement cost vs. ACV, FEMA’s Risk Ratings 2.0, private flood insurance options, and more in this Forbes Advisor article.</p>


Look at details about how to protect your home from flooding from Zander Insurance including information about federal aid challenges and how to reduce costs.