South Florida Hospital News
Tuesday January 19, 2021

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January 2021 - Volume 17 - Issue 7


How to Use the Layered Life Insurance Worksheet

Your risk exposure to dying may increase as you age. Your financial exposure to dying may decrease as you age. How do you know how much coverage you need, how long you need it for and where you should buy it?

Term life insurance may be a cost-effective way to cover financial exposures as you age and go through life events. With 10, 15, 20, 25, 30, 35 and 40-year fixed and guaranteed term life insurance available now, you can layer your risk.
As an example, you could purchase a $1M policy for 40 years, $1M for 30 years and $1M for 20 years for less money than purchasing a $1M whole life policy. If your goal is death benefit protection only, and not cash accumulation. This is a very efficient way to protect your loved ones.
If you go to and print out the Layer Your Life chart, I will show you how to determine what you need and for how long you need it. You then can shop on the LifeInsureAssure website for the most competitive pricing in seconds from multiple companies. You get to pay for only what you need.

For more information, call Howard Wolkowitz at (954) 558-3673 for a complimentary consultation.

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