Why You Need a Life Insurance Needs Assessment with The Ultimate Life Insurance Calculator

life insurance needs assessment

Key Takeaways:

  • Taking a life insurance needs assessment online is simply faster, more convenient, and likely to be more accurate than calling to speak with an agent. 
  • Understanding how much life insurance you really need is an important step to take before you purchase a plan; otherwise, you could end up overpaying.
  • You can use The Ultimate Life Insurance Calculator without having to provide any contact information. 
Table of Contents

Most people shopping for life insurance don’t understand what they’re looking for — they know they need life insurance because people depend on them, and being insured is the responsible thing to do. But the world of life insurance is confusing, especially for individuals who have never purchased a plan before.

If you’re not sure what type of plan you want or how much coverage you’ll need, you’re not alone. The one thing that everybody searching for life insurance does know — maybe the only thing they know when they start their search — is that they want it to be super affordable. 

Nobody wants to add an expense to their already long list of monthly expenses. But insurance is a necessity; it’s designed to protect your family in case something happens to you.

It’s not as exciting as a new car or Disney passes or the latest iPhone (all things you’d probably rather be spending your money on). But you have to have it. So, when comparing plans, you want to find one that’s going to give you the best deal. 

First, you must learn how much coverage you actually need before purchasing a plan. That way, you don’t end up paying more for too much coverage. 

Taking a life insurance needs assessment online using The Ultimate Life Insurance Calculator is the fastest, most convenient way to discover what your unique needs are. From there, you can compare plans and choose the one that’s right for your budget. 

What is a Life Insurance Needs Assessment and How Does It work?

A life insurance needs assessment online is a type of life insurance calculator. It will ask for information about you and your life in order to calculate how much life insurance you need. You may be asked to answer questions about your age, your gender, your career, your income, your hobbies and/or lifestyle, your health, your dependents, and more — these are all factors that determine how much coverage you might need.

From there, you may get an estimate of how much coverage you need and a quote, or you may be asked to contact an agent or provide contact details so an agent can contact you and give you a complete, “more accurate” assessment.

Once you understand generally how much you need and why, you can begin to compare plans that give you that amount of coverage and find the one with the best price. 

Most needs assessments start online but don’t end there. You have to call or email an agent to figure out what your results are and get a quote.

This is highly inconvenient for most normal people with young kids, busy lives, and better things to do than to wait on hold to speak to a biased agent.

When you take a life insurance needs assessment and buy term life insurance online with Everyday Life Insurance, everything from start to finish can be done 100% online to make it easier on you and your schedule. The Ultimate Life Insurance Calculator doesn’t ask for any contact information, so you don’t need to worry about agents calling you or bothering you if you’re not interested in our quote.

You can take the needs assessment from your smartphone at whatever time of day or night you want. 

Taking it 100% Online is Faster

The Ultimate Life Insurance Calculator from Everyday Life takes less than two minutes to complete, and it’s entirely online. It really is that quick to fill out!

You don’t have to wait hours or days to be contacted by an agent. You just have to answer a few questions in order for us to determine how much life insurance we think you need. And we’re always honest with you — if we don’t think you need life insurance or don’t think you need that much, we’ll tell you so.

Our needs assessment results in a personalized recommendation for how much coverage you need and a quote for one of our plans; if you want to purchase through us, you can apply in under 10 minutes and in some cases, get approved instantly!

Don’t Overpay for Life Insurance

The Ultimate Life Insurance Calculator from Everyday Life is unique because it only recommends the coverage that you need when you need it. 

Other companies will recommend one amount of coverage that remains the same for the life of the policy. You’ll pay the same premium for the same coverage for up to 30 years or more. However, you won’t need that much coverage as the years go on.

Think about this: A young family who just bought a house and has young kids will need a lot of coverage, but when the kids move out and the mortgage is almost paid off, they won’t need as much. If they’re paying for the same amount of coverage they had at the beginning, they’re overpaying. 

Everyday Life realizes that the old system of life insurance doesn’t make sense. That’s why our plans automatically adjust your coverage over time to keep up with big life events. This means that over the life of your plan, your coverage will automatically decrease to reflect life’s changes. You will only pay for the amount you truly need, so your premiums will automatically decrease as well.

When you take our life insurance needs assessment online, you get a personalized recommendation (a quote) for a peak amount of coverage that will phase down over time. You can view how much you’ll save this way compared to what you’d pay for other plans, which is potentially thousands of dollars!

It’s easy, it’s fast, and it keeps you from paying for more than you need. What are you waiting for? Use The Ultimate Life Insurance Calculator today and find the life insurance plan that’s right for you!

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