How much does life insurance cost?

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How much does life insurance cost?
TCC Agent explaining insurance cost and policies to client

As part of the coverage couple’s FAQ series, we’ll be answering the question “How much does life insurance cost?”

How much does life insurance cost?

The best way to reply to that question is by answering “Not as much as you think.” The reason we say that is because according to market research, the common theme in ALL the public data is when consumers are asked to ‘guess’ how much life insurance is, those consumers overestimate the cost of life insurance nearly 100% of the time, and by a huge amount.

The respondents in those surveys understood the natural intrinsic value of preparing for something that happens to us all (before it happens), yet many never take that first logical step toward securing their future — finding out the insurance cost for themselves. We all know, whether consciously or subconsciously, that we need it. Everyone we’ve consulted with has admitted they waited too long to either change their policy or purchase one. The reality of our nature is we’re focused on the here-and-now, the day-to-day concerns that demand our attention, leaving us with a lack of time and energy to consider tomorrow…until it arrives.

There’s a wide gap between “I should,” and “I will” so much of the time — and not just with life insurance and investments, but with other things like vacuuming the stairs, and organizing the freezer. But, once we take that first step , whether it’s taking the clothes out of the dryer, unloading the first dish, or requesting a consultation with The Coverage Couple, a lot of progress is made in a short amount of time. Thinking back on our time, seminars, experience and conversations at TCC, we hear the same thing countless times from clients: I wish I would’ve just taken care of this sooner.

It’s too bad we don’t get some sort of bonus for every time someone says that to us. It’s like insurance and investment evangelism when you think about it, and while this message isn’t nearly as important as the gospel, every good decision is followed up with that same phrase “I wish I would’ve done this sooner.” The great news is if you’re reading this, it’s obviously not too late — you’re still alive, and obviously place value on this. As we often say, the best time to secure Living Benefits was yesterday, but luckily you’re here today to fix that! Life insurance is the one product that truly exemplifies “Better late than never” (literally).

How much does life insurance cost?
speculative estimate for your individual insurance policy cost

The reality is while birthday parties are fun, every time you celebrate one, the insurance providers nudge cost up. Therein lies the rub…the best time to secure a protective policy is when you’re young and healthy, but that’s when you’re invincible and will live forever, so nobody’s got time for that.

While it’s impossible to provide a general speculative estimate for your individual insurance policy cost, aside from the golden rule you should get a quote sooner rather than later, at The Coverage Couple we’ve secured partnerships with an exceptionally broad variety of carriers. What that means for you is no matter your age or health, when it comes to scouring the entire market for the BEST policy fitting your needs and budget, we can and will!

Regarding insurance cost, so many factors influence the ultimate outcome, not the least of which is the carrier and insurance type. What I mean is each carrier has a special market they cater to. Some provide amazing value quotes for those who are the perfect picture of health, other insurers are tripping over themselves to provide low-cost options for people who have suffered heart attacks or live with diabetes. We don’t only know how to navigate that jungle terrain, but we have the ability to go several layers deep and find the needle in the haystack tailored to your needs.

We commit to conducting deep investigative research for you, and would like for you to reserve time with us, without any cost or obligation. We’ll carefully listen, and then follow up with a proven, practical, custom proposal for your review. HERE is our official invitation to take part in The Coverage Couple Challenge, where EVERYONE WINS. Visit the Scheduling Page at thecoveragecouple.com to see how much we can save you on your existing coverage, or provide a financial risk assessment and needs analysis for your review if you’re unprotected and univested. We hope to hear from you soon, because your life is worth the investment! -Aaron & Sarah, The Coverage Couple

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