You have now taken the first step towards meeting your life insuranceneeds.
Limited Coverage
Recommended Coverage
Enhanced Coverage
If you want to set aside less, consider $X to pay off any outstanding debts and set aside funds as follows:
At this level of coverage, your insurance needs are already met.
Based on the information provided, you could choose not to apply for additional coverage at this time – but we recommend that you review your insurance needs with a licensed advisor. Call us at 1‑877‑397‑4182, Monday to Friday, 8:00 to 8:00 EST, or get a quick quote online.
- $X to pay off outstanding debts
- $X to provide a replacement income
- $X to establish an education fund
- $X for additional needs
- Additional considerations: You told us that you have $XX of coverage already. We have subtracted that from the total need.
Note: Existing TD Insurance customers can use promo code RFLIA01 to get a valued customer preferred rate.
Detailed information about our coverage recommendation
Detailed information about our coverage recommendation
We recommend $X of insurance coverage to protect your loved ones' standard of living.
At this level of coverage, your insurance needs are already met.
Based on the information provided, you could choose not to apply for additional coverage at this time – but we recommend that you review your insurance needs with a licensed advisor. Call us at 1‑877‑397‑4182, Monday to Friday, 8:00 to 8:00 EST, or get a quick quote online.
- $X to pay off outstanding debts
- $X to provide a replacement income
- $X to establish an education fund
- $X for additional needs
- Additional considerations: You told us that you have $XX of coverage already. We have subtracted that from the total need.
Note: Existing TD Insurance customers can use promo code RFLIA01 to get a valued customer preferred rate.
Detailed information about our coverage recommendation
Detailed information about our coverage recommendation
$X of coverage will ensure that your loved ones' needs are more than met.
At this level of coverage, your insurance needs are already met.
Based on the information provided, you could choose not to apply for additional coverage at this time – but we recommend that you review your insurance needs with a licensed advisor. Call us at 1‑877‑397‑4182, Monday to Friday, 8:00 to 8:00 EST, or get a quick quote online.
- $X to pay off outstanding debts
- $X to provide a replacement income
- $X to establish an education fund
- $X for additional needs
- Additional considerations: You told us that you have $XX of coverage already. We have subtracted that from the total need.
Note: Existing TD Insurance customers can use promo code RFLIA01 to get a valued customer preferred rate.
Detailed information about our coverage recommendation
Detailed information about our coverage recommendation
Compare options
Limited Coverage
Total insurance offered: $XX
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| Paying off debts | $XX |
|---|---|
| Providing a replacement income | $XX |
| Establishing an education fund | $XX |
| Covering other expenses | $XX |
| Existing life insurance | $XX |
Recommended Coverage
Total insurance offered: $XX
Expand
| Paying off debts | $XX |
|---|---|
| Providing a replacement income | $XX |
| Establishing an education fund | $XX |
| Covering other expenses | $XX |
| Existing life insurance | $XX |
Enhanced Coverage
Total insurance offered: $XX
Expand
| Paying off debts | $XX |
|---|---|
| Providing a replacement income | $XX |
| Establishing an education fund | $XX |
| Covering other expenses | $XX |
| Existing life insurance | $XX |
Limited Coverage | checkmark Recommended Coverage | Enhanced Coverage | |
|---|---|---|---|
| Total insurance coverage | $XX | $XX | $XX |
| Paying off debts | $XX | $XX | $XX |
| Providing a replacement income | $XX | $XX | $XX |
| Establishing an education fund | $XX | $XX | $XX |
| Covering other expenses | $XX | $XX | $XX |
| Existing life insurance | $XX | $XX | $XX |
Coverage option details
Paying off debts
Because you have debts that may need to be settled in the event of your death, we recommend coverage to pay off outstanding balances. Paying off your mortgage and other debts will ensure that your loved ones won't have to cover them.
Recommended Coverage:
Coverage option details
Limited Coverage
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Since you have no dependents, we don't recommend you set aside any funds to pay off your debts. If you pass away, any outstanding balances will be paid out of your estate.
$X will cover Y% of the outstanding balance of your mortgage and any other debts that you told us.
Recommended Coverage
Expand
Since you have no dependents, we don't recommend you set aside any funds to pay off your debts. If you pass away, any outstanding balances will be paid out of your estate.
$X will cover Y% of the outstanding balance of your mortgage and any other debts that you told us.
Enhanced Coverage
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Since you have no dependents, we don't recommend you set aside any funds to pay off your debts. If you pass away, any outstanding balances will be paid out of your estate.
$X will cover Y% of the outstanding balance of your mortgage and any other debts that you told us.
Limited Coverage | Recommended Coverage | Enhanced Coverage | |
|---|---|---|---|
Since you have no dependents, we don't recommend you set aside any funds to pay off your debts. If you pass away, any outstanding balances will be paid out of your estate. $X will cover Y% of the outstanding balance of your mortgage and any other debts that you told us. | Since you have no dependents, we don't recommend you set aside any funds to pay off your debts. If you pass away, any outstanding balances will be paid out of your estate. $X will cover Y% of the outstanding balance of your mortgage and any other debts that you told us. | Since you have no dependents, we don't recommend you set aside any funds to pay off your debts. If you pass away, any outstanding balances will be paid out of your estate. $X will cover Y% of the outstanding balance of your mortgage and any other debts that you told us. | |
Providing a replacement income
Providing a replacement income for your loved ones can protect them from the financial effects of the unexpected loss of your income. However, if you have coverage for your outstanding debts, it would not be necessary to replace 100% of your after tax income.
Recommended Coverage:
Coverage option details
Limited Coverage
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Provides $XX (YY% of your after tax income) every year until your spouse reaches age 65*.
Provides $XX (YY% of your after tax income) every year until your youngest child reaches age ZZ, then $II (JJ% of your after tax income) every year until your spouse reaches age 65*.
No funds would be set aside to provide a replacement income for your spouse/partner.
Provides $XX (YY% of your after tax income) until your youngest child reaches age ZZ*.
It will also cover XX months of rent payments.
Recommended Coverage
Expand
Provides $XX (YY% of your after tax income) every year until your spouse reaches age 65*.
Provides $XX (YY% of your after tax income) every year until your youngest child reaches age ZZ, then $II (JJ% of your after tax income) every year until your spouse reaches age 65*.
Provides $XX (YY% of your after tax income) until your youngest child reaches age ZZ*.
It will also cover XX months of rent payments.
Enhanced Coverage
Expand
Provides $XX (YY% of your after tax income) every year until your spouse reaches age 65*.
Provides $XX (YY% of your after tax income) every year until your youngest child reaches age ZZ, then $II (JJ% of your after tax income) every year until your spouse reaches age 65*.
Provides 100% of your after tax income until your spouse has reached age 65 and your youngest child has reached age ZZ.
Provides $XX (YY% of your after tax income) until your youngest child reaches age ZZ*.
It will also cover XX months of rent payments.
* ‑ We have assumed an annualized rate of return of 3% after inflation.
Limited Coverage | Recommended Coverage | Enhanced Coverage | |
|---|---|---|---|
Provides $XX (YY% of your after tax income) every year until your spouse reaches age 65*. Provides $XX (YY% of your after tax income) every year until your youngest child reaches age ZZ, then $II (JJ% of your after tax income) every year until your spouse reaches age 65*. No funds would be set aside to provide a replacement income for your spouse/partner. Provides $XX (YY% of your after tax income) until your youngest child reaches age ZZ*. It will also cover XX months of rent payments. | Provides $XX (YY% of your after tax income) every year until your spouse reaches age 65*. Provides $XX (YY% of your after tax income) every year until your youngest child reaches age ZZ, then $II (JJ% of your after tax income) every year until your spouse reaches age 65*. Provides $XX (YY% of your after tax income) until your youngest child reaches age ZZ*. It will also cover XX months of rent payments. | Provides $XX (YY% of your after tax income) every year until your spouse reaches age 65*. Provides $XX (YY% of your after tax income) every year until your youngest child reaches age ZZ, then $II (JJ% of your after tax income) every year until your spouse reaches age 65*. Provides 100% of your after tax income until your spouse has reached age 65 and your youngest child has reached age ZZ. Provides $XX (YY% of your after tax income) until your youngest child reaches age ZZ*. It will also cover XX months of rent payments. | |
* ‑ We have assumed an annualized rate of return of 3% after inflation.
Establishing an education fund
Because you want to save for your child(ren)'s education, we have recommended a coverage amount that will provide an education fund for them in the event of your untimely death.
Recommended Coverage:
Coverage option details
Limited Coverage
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Setting aside a lower amount could generate $30,000 of funding for your each of children by the time they turn 18*.
Recommended Coverage
Expand
If invested at the time of payout, this amount would generate $60,000 of funding for each of your children by the time they turn 18*.
Enhanced Coverage
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Setting aside a higher amount could generate $100,000 of funding for each of your children by the time they turn 18*.
* ‑ We have assumed an annualized rate of return of 3% after inflation.
Limited Coverage | Recommended Coverage | Enhanced Coverage | |
|---|---|---|---|
Setting aside a lower amount could generate $30,000 of funding for your each of children by the time they turn 18*. | If invested at the time of payout, this amount would generate $60,000 of funding for each of your children by the time they turn 18*. | Setting aside a higher amount could generate $100,000 of funding for each of your children by the time they turn 18*. | |
* ‑ We have assumed an annualized rate of return of 3% after inflation.
Covering other expenses
There are costs to plan for before you pass away. Funerals and estate taxes can cost more than you think – setting aside money for them now can make the difficult business of your death easier for your loved ones.
Recommended Coverage:
Coverage option details
Limited Coverage
Expand
This amount would be sufficient to fund $25,000 in final expenses, as well as $XX in a charitable donation.
Recommended Coverage
Expand
This amount would be sufficient to fund $25,000 in final expenses, as well as $XX in a charitable donation.
Enhanced Coverage
Expand
This amount would be sufficient to fund $25,000 in final expenses, as well as $XX in a charitable donation.
Limited Coverage | Recommended Coverage | Enhanced Coverage | |
|---|---|---|---|
This amount would be sufficient to fund $25,000 in final expenses, as well as $XX in a charitable donation. | This amount would be sufficient to fund $25,000 in final expenses, as well as $XX in a charitable donation. | This amount would be sufficient to fund $25,000 in final expenses, as well as $XX in a charitable donation. | |
Additional considerations
Children with a disability require extra consideration. Will they have any assistance they require that you currently, personally give them? Will they be able to provide their own income as adults?
Parents requiring care should be factored into your coverage. The money you provide for their care will have to be replaced, as will the time you spend on them – running errands, or driving them to and from appointments, for example.
Call us at 1‑877‑397‑4182 Monday to Friday from 8 to 8 ET to speak to one of our advisors.
You told us that you currently have $XX of existing life insurance coverage, and we have taken that into account in the options presented above.
Keep in mind group coverage may terminate at the end of employment. If you became unemployed, you could lose what group coverage you have, leaving you less protected than you'd planned.
Get a quick quote to see just how affordable $___ of life insurance can be.
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1‑877‑397‑4182
Now that you know your coverage amount of $XX, start your quote today!
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or call
1‑877‑397‑4182
Coverage: $XX
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