Speak to a Live Person.    Call 800-442-9899

[VIDEO] Life Insurance Has Something to Say

christmas boxes decorations and candy canes

By McKenzy Bowers | December 6, 2018

This holiday season your life insurance policy has a message for you. A reminder of sorts. We love our families, most of us would do anything to protect them. And some of you have taken steps to protect them when you, well, are no longer. But, what about those of you who haven’t pulled the trigger on that life insurance policy? What are you waiting for? Unexpected death is just that…life won’t warn you when you’ll be hit by a bus. You’ll just get hit.

A life insurance policy will take care of your loved ones when you no longer can. No other product on the planet will do for your family what a life insurance policy can do. Pretty straightforward and simple. Now, get clear on the ideal amount of coverage with our nifty calculator, then call us!

Nifty Life Insurance Calculator

Our Life Insurance Calculator can help you get a rough idea of how much coverage you’ll need to make sure your family is okay financially when you die.

  • Annual income before tax: $

    Annual income is an important factor in determining your needs, but it’s not the only one. When you die, your life insurance is like your final paycheck.

  • % of income needed by dependents:  %

    Because you’ll be gone, presumably they won’t need as much as you’re currently earning.  Typically, 80% of your current income is a good place to start.

  • Your Age: years

    The younger you are, the more years of your income your family stands to lose when you die.

  • Number of years benefits are needed:  

    If you died tomorrow, how many years of income do you want to provide for your family?

  • Annual inflation rate (estimate):  %

    Because of inflation, in order to maintain your family’s current standard of living, you’ll need to plan for increases in their annual income to keep pace.  Historically, inflation has averaged between 2% and 4%.

  • Annual interest rate (estimate):  %

    This is an assumption as to how much you believe your spouse will be able to earn on the death benefit proceeds. We have found that most surviving spouses are usually very conservative in how they invest the death benefit. The most common thing we see is that the money gets deposited into a bank account. You know your spouse better than anyone. Pick a number that you feel your spouse will be able to comfortably earn on the proceeds.

  • Based on the information you provided, you need about

    of life insurance to replace your income for the next years.


Let’s be honest, you have enough things to think about, so we’ve taken the stress out of shopping for life insurance by shopping for you. So, call us at 800-496-9083  and speak to a real person – yup it’s true!

Keep Reading and Learn How to Save Money for Life

What does a rated life insurance policy mean?

3 Reasons why people put off buying life insurance?

Buying whole life for kids!

Blog Policies
Content, articles, information and opinions expressed on the AccuQuote Blog, whether provided by the authors or public visitors to the website, are provided to help consumers make informed decisions regarding their insurance needs and options. Opinions expressed in the articles are strictly those of the authors and may not represent the view of AccuQuote, its officers, employees, clients or the companies whose products are offered by AccuQuote.
The information, content, and services provided on this site are not intended to be, and should not be construed as legal, tax, financial planning, or other professional advice.  Visitors to the site should look to and rely on their own professional advisors for such advice. 
AccuQuote will not be liable, under any circumstances and in any way, for any errors or omissions, loss or damage of any kind incurred as a result of use of any content posted on the AccuQuote Blog.  By visiting the AccuQuote Blog, you acknowledge and agree that you use the content at your own risk and bear all risks associated with your use of any content, including any reliance on the accuracy, completeness, or usefulness of such content.
See also our website terms and conditions Terms & Conditions


We only work with highly rated insurance companies – brand names you trust. You may be able to save money without sacrificing quality and strength.