Tennessee Life Insurance – Zander Insurance

Protect What Matters Most.

Zander Insurance offers life insurance in Tennessee and is the greatest gift you can leave for your family. Learn how to find a policy that will give them peace of mind tomorrow without breaking the bank today.

Why Is Life Insurance in TN Important?

Life insurance is an essential part of any financial plan and will provide for your family if something happens to you. Funeral and burial costs are not something you want your family to worry about in the midst of their grief. Purchasing life insurance in TN is a small investment now that will save them a lot of stress later.

Who Needs Life Insurance?

Whether you are a newlywed, a stay-at-home parent, a retiree, or someone with student loans – you need life insurance. Here are some questions to ask yourself:

• Does someone rely on my income (or contributions as a homemaker)?
• Do I have any outstanding debts?
• Would paying for a funeral and burial be a financial burden on my family?

If the answer to any of those questions is yes, then you should consider purchasing life insurance to take care of those costs.

What Kind of Life Insurance Should I Get?

Here in Tennessee, we’re big fans of Dave Ramsey. That’s why we trust when he says that term life is the way to go. Here’s why:

• Term life insurance policies are much more affordable than their whole life counterparts
• If you follow the Baby Steps, you will be self-insured by the time you reach the end of your term
• Insurance is about protection, not wealth-building – do not use this as an investment tool!

“When it all boils down, you really have two options when it comes to life insurance – term or whole life. One is a safe plan that helps protect your family and the other one, well, it’s a total rip-off.” – Dave Ramsey

When Is the Best Time to Buy?

The younger (and healthier) you are, the cheaper your life insurance will be. That’s true not only here in the Volunteer State, but across the country. You will never be younger than you are today, so it’s a smart idea to go ahead and check out some quotes before they go up.

Remember that this applies even when – especially when – you are in debt. Dave says that life insurance should come before the Baby Steps, because debt leaves your family even more vulnerable if something were to happen to you.  You can read more information about life insurance rules and regulations, terms you should know, and factors that influence it.

Where Should I Buy My Policy?

While having a portion of your life insurance through your employer is fine, the bulk of your coverage should be purchased through another source so that you can keep that protection even if you change jobs. Employer policies typically do not offer coverage equal to 10-12 times your income – the amount Dave recommends you purchase – anyway, so that’s one more reason to look elsewhere for the majority of your coverage.