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Insurance Help Center

Get Your Most Frequently Asked Questions Answered Quickly Or Call Us Toll-Free (800) 356-4282

  • Are the Benefits from a Life Insurance Policy Taxable?

    Life insurance payouts are generally not taxable, as long as certain rules are followed. However, there are exceptions. If a business owns the policy and incorrectly deducts the premiums as a business expense, the death benefit could be taxed. Similarly, if the policy owner, insured, and beneficiary are three different people, the IRS may classify […]

  • Are Life Insurance Premiums Guaranteed Not to Change?

    The life insurance plans we offer come with a guaranteed level premium, meaning your rate will stay the same for the entire term you choose—whether that’s 10, 15, 20, or 30 years—as long as you continue making payments. Once your policy is in place, the insurance company cannot increase your rate or alter the terms, […]

  • Can I Have Multiple Life Insurance Policies at the Same Time?

    Yes, you can. However, it is important to understand that the total amount of coverage that you have in place or are applying for must be justifiable based on your income and net worth. If you already have a significant amount of insurance in place and apply for another policy, the insurance company could limit […]

  • Why Term Life Insurance Instead of a Cash Value Plan?

    Term life insurance is the only type of coverage recommended by Dave Ramsey and his team—never cash value policies like whole life, universal life, or variable life. The reason is straightforward: term life is much more affordable, and you only pay for coverage during the years you actually need it. The idea that you need […]

  • How Much Term Life Insurance Do We Need and What Time Period Should We Buy?

    Dave Ramsey and his team recommend term life insurance for those whose families rely on their income or have debts that can’t be covered by existing assets. Otherwise, he believes your money is better used elsewhere. Following the advice of Ramsey Solutions, Zander Insurance offers only guaranteed level term life plans. The general recommendation is […]

  • Should I Have Life Insurance on My Children?

    Dave Ramsey and his team advise against purchasing life insurance for children, particularly policies like Gerber Life that are marketed as savings or college plans. These policies often involve cash value (whole life) insurance, which is an inefficient financial product that most families don’t need. Since the likelihood of a child passing away is extremely […]

  • What is Home Title Fraud and is it Covered on Zander’s ID Theft Plan?

    Home title fraud occurs when a criminal scours electronic records to find a home that has accrued equity. The thief then forges the homeowner’s signature onto a fraudulent bill of sale and transfers legal ownership of the house to themselves. Once the home is in their name, they typically take out home equity loans and […]

  • How to Talk to Your Child about Online Safety

    The Internet can be an educational tool, source of entertainment, and method of communication. However, there are a number of risks associated with the Internet as well, so it’s important that we educate our kids about how to be a safe consumer of technology. Here are a few tips for when and how to have […]

  • Can Workers’ Comp Replace Disability Insurance?

    Finding ways to cut costs and save money is important – we get it. Saving people money is actually our job! One way you shouldn’t try to lower expenses, however, is by sacrificing insurance coverage that you really need. Long-term disability is one of the often-overlooked types of policies that you can’t afford to go […]

  • Do I Need Disability Insurance If I Don’t Work in a Dangerous Profession?

    Disability insurance isn’t for people who work in an office . . . right? The statistics say otherwise. It’s not on-the-job accidents that cause the majority of disabilities that prevent people from being able to work – it’s illness! Your emergency fund should be able to cover three months of expenses – but what if […]

  • Rising Insurance Premiums and What You Can do About It

    Why are my insurance premiums going up? There are several factors that can cause an increase in insurance rates. Typically, a rate increase is based on the individual experience of the client and whether they have had insurance claims frequently or of a severe nature. Another reason a customer’s rates can rise is the overall […]

  • Storm Damage: What Now?

    Storms are called natural disasters for a reason. If you’ve experienced a catastrophic event, you know how stressful recovery can be, both physically and financially. Let us be a resource for you as you figure out your next steps. If Your Home is Damaged . . . Take pictures of as much damage as you […]

  • Lightning Safety and Your Home

    When storms come, we all know to take shelter. What happens, though, if that shelter becomes unsafe? Here’s everything you need to know about protecting your home from the rare – but possible – occurrence of a lightning strike, and what to do if it happens to you. How lightning enters homes Lightning may enter […]

  • Storm-Related Fraud and How to Avoid It

    There are always people who will prey on the vulnerable, and natural disasters are no exception. Here are some tips on how to avoid being taken advantage of by storm fraud and contractors in the aftermath of it: Choose reputable contractors. Opportunists may show up at your doorstep unannounced (red flag). It’s important to be cautious […]

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Getting insured is a very smart move, and so is buying your policy through Zander Insurance.

It’s extraordinarily challenging to separate what you need from an insurance policy from what you can get by without. And navigating the marketplace of independent providers to find a policy that fits your demanding personal requirements without costing a fortune can be an utter nightmare.

Stop and breathe. Don’t let your search for insurance stress you out.

When it comes to getting the coverage you need at a price that is surprisingly affordable, it’s time to relax – and time to say hello to Zander Insurance. At Zander Insurance, we do all the hard work of evaluating thousands of policies from hundreds of dependable insurance companies, so you can quickly cut through the clutter and discover the coverage that best fit all of your needs.

But not all surprises are always so positive.

We understand that when it comes to insurance, the ultimate goal is to protect yourself and your family from uncertainty. That is why we want you to be certain about every policy you purchase through us. We pride ourselves on consistently being transparent and ensuring that each client knows what she is getting before signing. Wherever you are in life, we can match you with policies that will help safeguard the ones you love without burdening you with high premiums.

Just because you already have insurance doesn’t mean you don’t need us.

Your life is constantly changing. Whether you are planning a wedding, welcoming a child, buying a new home, starting a business, or experiencing another significant life change, reevaluating your insurance needs is always worthwhile. Talk to one of our US-based guides about reviewing your current coverage, and whether it makes sense for you to update your existing home, business, auto, or term life insurance policy. No matter where you are or where you are going, we can help keep you covered.

Sadly, today’s world is more dangerous than ever before, and it can be scary out there. However, that doesn’t mean there isn’t anything you can do to defend yourself. Whether you are concerned with the growing number of identity theft events, or worried that an illness or injury might financially affect your family, there are things you can do. Consider an ID theft protection policy or disability insurance policy for true peace of mind.

Zander Insurance makes getting covered less complicated, so you can spend your valuable time on what is truly important: living your life.

TERM LIFE INSURANCE

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