Married, without children
What would happen to your finances if you or your spouse died tomorrow?
Normally, one person earns more in a two-income family, but both paychecks are equally important. A lump sum of money would go a long way towards replacing the missing income, so that your problems aren’t focused on money. For all kinds of reasons, lock in a better rate now when you’re young and healthy. And if you’re planning a family, you’ll want to buy life insurance today—some companies won’t issue policies to pregnant women.
| Level of Protection: | from $100,000 to $100,000,000 |
| Policy Type: | Whole Life, Term Life, Universal Life |
| Insurance Needed | up to 27 X income + Assets Evaluation |
| Premium Options | Monthly, Quarterly, Annually |
Married with children
Most families depend on two incomes to make ends meet. At a bare minimum, both earners should buy a term life policy, that will cover you for the next 20 or 30 years. While it will expire at the end of that term, your family would have protection during that time, and hopefully, in future, you’ll have some money set aside. A better solution would be to purchase a whole life plan, for permanent insurance cover as well as an account that makes sure you save for the future.
| Level of Protection: | from $100,000 to $100,000,000 |
| Policy Type: | Whole Life, Term Life, Universal Life |
| Insurance Needed | up to 27 X income + Assets Evaluation |
| Premium Options | Monthly, Quarterly, Annually |
If you’re a Single Parent
You do everything—from cookie-baking to soccer coaching, and you’ve got 100% of the financial responsibility. Despite that, nearly 4 in 10 single parents have no life insurance. Life insurance costs less than people think, and in your case, having protection is doubly important. In the event that you weren’t there as sole breadwinner, your children would still have a future. Let us show you how to sleep better, with a policy you can afford.
| Level of Protection: | from $100,000 to $100,000,000 |
| Policy Type: | Whole Life, Term Life, Universal Life |
| Insurance Needed | up to 27 X income + Assets Evaluation |
| Premium Options: | monthly, quarterly, annual |
If you’re a Stay-at-Home Parent
You may not be bringing home a salary, but what you do is critical to the family’s wellbeing. Childcare, transportation, cooking, cleaning—all vital, often underestimated. Life insurance enables your contribution to stay in place. If you were suddenly removed from the picture, your kids wouldn’t have to suffer a drop in quality of life, too.
Talk to RSi.
We’ve got you covered.
| Level of Protection: | from $100,000 to $100,000,000 |
| Policy Type | Whole Life, Term Life, Universal Life |
| Insurance Needs | up to 27 X income + Assets Evaluation |
| Premium Options: | monthly, quarterly, annual |