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Life insurance makes sure that your family is taken care of if you pass away unexpectedly.
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Here are some recent 20-year term life insurance rates.
$750,000 of coverage
35 year-old woman
$1,000,000 of coverage
45 year-old man
$500,000 of coverage
40 year-old man
* Actual quotes for 20-year term life insurance based on an individual in good health. Your pricing may differ and is subject to insurer review of your application. Guarantees subject to claims-paying ability of insurer.
We’ve got answers to the top 5 questions about life insurance.
With term life insurance, you simply choose the amount of coverage you need and how long you need insurance for. If you pass away while you have life insurance, your family receives a payment from the insurer, so they can continue living the life you’ve always wanted for them.
Most people choose coverage periods of 10, 20, or 30 years. During the coverage period your premiums are guaranteed and will never change, even if you get sick. You can buy coverage ranging from $50,000 all the way up to $10,000,000 and beyond.
To keep your insurance in place, you make a monthly or annual premium payment, just like car or home insurance. Even though your insurer can’t cancel your policy or change premiums during the coverage period, you can cancel anytime without fees or penalties.
Life insurance is typically used to cover the following expenses if you pass away:
If you want a quick answer, the above will typically add up to 10x to 15x your annual income—e.g. if you make $75,000 per year, you can estimate that $750,000 to $1,125,000 of coverage is good place to start. For a 35-year-old female, this amount of coverage could cost as little as $35–$50 per month.
Still have questions? Connect with us on chat or email us at firstname.lastname@example.org and we can help you get a more personalized estimate of your coverage needs.
At Saturday, our goal is to get you the right coverage at the best price possible. Here are some tips if you’re thinking of buying:
Buy early — did you know the price goes up each year on your birthday? Once you decide you need insurance, make sure to buy as soon possible.
Get multiple quotes — each insurer has a different view on your unique health situation, so it's always worth getting 2 or 3 quotes and comparing prices.
Buy from large, well-established insurers — we bet you didn’t know that the largest, most trusted insurers often also have the best prices. That’s because they have more efficient operations and can manage risk better, which means better prices for you.
Work with an independent party — did you know that insurers are required to charge the same price whether you buy through an independent advisor or directly from them? By buying through an independent party like Saturday, you’ll get multiple quotes and personalized advice, so you can get the right insurance for your needs while still getting the best prices.
Be wary of “no-medical exam” websites — without a medical exam, insurers need to make assumptions about your health, which often means higher prices. You’ll be paying premiums for many years, so we think it makes sense to do a little work upfront to get the best price.
Finally, don’t be afraid to ask questions. Everyone is different and we’re here to help, so reach out anytime.
Having group life insurance through your work is a great start, however, there are many limitations you should be aware of:
Reliance on your employer — your employer has the right to cancel this benefit at any time. If this happens, you would lose your coverage immediately.
Coverage is tied to your employment — if you leave your job or get fired, you can’t take your life insurance policy with you.
Low coverage limits — group insurance coverage is often limited to 1x your salary, which is not nearly enough coverage for most people.
Increasing prices — most group insurance prices increase annually, so your costs go up as you age. That means even if you can buy all the coverage you need, you might not be able to afford to keep it in the future.
For these reasons, most people still need to buy their own policy, even if they have coverage at work. Having your own policy will make sure you’re protected, no matter where you work. In addition, your own policy can provide you with much higher levels of coverage and guaranteed prices for 20 or 30 years, or more.
Once you’ve received your quotes, you’ll be able to simply select the best price and apply online with Saturday.
Depending on your situation, the insurer may request a phone call or ask for additional information from your doctor. In some cases, they may also ask you to undergo a free health checkup. If needed, the free health checkup takes less than 30 minutes and is done by a licensed professional whenever and wherever convenient for you.
Once insurers have all the necessary information, they’ll review your application and let us know once they’ve made a decision. We’ll be with you every step of the way and do our best to get you approved as quickly as possible.
Have more questions? Check out our FAQs.
The Saturday Blog
Life insurance can be an important part of your financial plan, helping your family pay the bills and save for the future if you die and your income stops. But your life insurance needs can vary a lot at depending on your stage of life — a young couple just starting out can have very different life... read more
Saturday Insurance Services, LLC (“Saturday” or “Saturday Insurance”) is a licensed, digital insurance advisor. All tools, quotes, and information provided by Saturday are for educational purposes only and based on the limited information, if any, provided by you. We urge you to consult with your financial and tax advisors before making any purchase decisions. All quotes and estimates are non-binding and are not to be construed as a guarantee you will be able to purchase insurance. Availability of insurance and final pricing is determined solely by our insurer partners and subject to their review and acceptance of a completed application. All product guarantees are subject to the claims-paying ability of your insurer.