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Term Life Quote Coverage - Part II

Burial and funeral expenses are not getting lower. Thatís true of most service industries, right? Many families seek closure with a funeral costing many thousands of dollars. So itís really practical and thoughtful to have these plans made beforehand, wouldnít you say? Youíll want to add this expense to your coverage amount.

Planning on educating your children? This, of course, is going to cost something. Even if your kids are smart enough to win free education. Youíre smart enough not to depend on that, right? So add this expense.

As you probably know, retirement planning is not just for the government anymore. Once upon a time, it was a simple plan. You expected Uncle Sam to keep part of your paycheck. Then, they give it back to you some years later. However, as we know, something went very, very wrong with this idea back in the 1900ís.

Thatís why just about every financial expert alive today will agree: you need to set aside your own money. How much have you set aside so far? How much do you still need to build? What happens if youíre not there to keep building this amount? Again, youíll want to add this remaining amount to your insurance coverage number.

Do you have investments other than your retirement account? Whatís their annual rate of return? Youíll want to consider what happens if youíre not able to continue making these investments. How important is it to keep these investments going? Youíll want to include the annual rate of return in with your annual income before multiplying by the factor of 3-20 that depends on your age, as mentioned above.

In many families, children or other family members have special needs. Perhaps itís continuing medical expenses. Or a dream project that must be completed. You know more about these needs than anyone else does. If these things apply, youíll want to make sure these needs are cared for. So, again, youíll want to add this to your insurance coverage amount.

Another important factor. Does a gallon of gas cost more now than it did in 1950? Silly question, right? Yes, inflation is a super important factor to include when considering your familyís needs. Youíll want to factor the growing inflation into your insurance coverage amount.

We hope you can see that this exercise was not designed to create some high number. It's our aim to help people see the wisdom of considering as many factors as possible in this very important decision - how best to protect your family. And for considering these, youíre to be congratulated for caring about them. After all, isnít that what insurance is for?

If youíve decided that term quotes are for you (or even if youíd just like to compare and see) that you know how much life insurance coverage you need, go forth and compare. That is, before you give the opportunity to give you the lowest rate.


©2006-08 Life Quote Center
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