Why Life Insurance   Who Should Buy It   What Type To Buy   How Much   About Us   Home    Working Married Couples For many families today, it takes two incomes to make ends meet. If something happened to either one of you, including the income you earn, would the family be able to stay in the home? Would your children be able to achieve their goals and dreams? Would your family suffer financially? Sufficient life insurance protection can help replace your income and guarantee your family’s financial security. Working married couples: Do you think the employee life insurance benefits either of you get through your employer is enough? The truth of the matter is that employer-sponsored life insurance generally provides a benefit amount that is insufficient because it’s only a small multiple of your salary. Also, if you ever join a different company, those life insurance benefits you’ve been counting on will probably not go with you – you’ll need to start again with new benefits at the new company, which may or may not offer its employees life insurance. In addition to that, most group plan death benefits decrease significantly or end completely at retirement – waiting until then to buy more life insurance protection will only cost you more or, worse yet, may not be possible because of health reasons. It’s a good idea for both of you to have your own life insurance policy to make sure your family is sufficiently protected. Suggestion for Working Married Couples: Term Life Insurance Protection With Garden State Life’s online term life insurance plan, your premiums stay level for 1, 7, 15 or 20 years depending on which plan you choose, making it easy to budget for. After that, your rate will increase annually until coverage ends at age 80. BudgetGard is a pure term life insurance policy, the same type that financial experts recommend because it gives you the most protection for your hard-earned money. Anytime prior to age 65, you have the guaranteed right to convert your term life insurance policy to permanent life insurance. This assures you of continued coverage beyond age 80 and for the rest of your life. Be sure to look into the advantages of CashGard Return of Premium Term Life Insurance. With this exceptional return of premium term life insurance plan, you get the best of all worlds: you get the affordability of term life insurance; you get premiums that stay level for 15, 20 or 30 years; and, if you’re still living and your policy is in effect at the end of your level rate period, you’ll get your premiums back -- tax-free! Garden State Life Insurance makes it easy and affordable for busy married couples that both work, to keep their life insurance protection up to date on a timely basis. Simply go to our Fast Quote page and in less than 10-minutes you can get free life insurance quotes, complete a simple online application, receive a fast approval decision and if approved, activate your new policy so it starts protecting your family immediately. It’s fast, secure and best yet, there are no medical exams to take or agent visits to put up with. Why do I need to buy life insurance? What type of life insurance do I need to buy? How much life insurance do I need to buy? We Value Your Security and Privacy Garden State Life Insurance Company League City, Texas For assistance call toll-free 1-800-638-8565 9 a.m. to 7 p.m. Eastern Time Monday through Friday. Copyright © 2006 Garden State Life Insurance Company. All Rights Reserved. Garden State Life is licensed in all 50 states and the District of Columbia. FAQ Contact Us