Laddering life insurance coverage provides an affordable death-benefit to meet needs both short term and long term.
It allows clients to purchase the right amount of protection when they need it most.
By using a longs Base Plan and adding term riders for different periods of time to cover shorter term needs, you can save your prospects big premium dollars while meeting their needs.
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THE TOTAL NEEDED EXPLAINED:
30-year base plan: Income replacement of for the 30 years the client expects to work.
$1,680,000
20-year rider: Mortgage payoff. As the client ages, the mortgage amortizes; the extra from this layer can be used to supplement college funding if needed.
$250,000
15-year rider: Funding for tuition for Child 1. Rider stays in force until year of anticipated graduation.
$150,000
10-year rider: Funding for tuition for Child 2. Rider stays in force until year of anticipated graduation.
$150,000
Total Initial Need
$2,230,000
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