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    7600 Chevy Chase Drive Building #2 #Suite 300
    Austin, TX 78752
    833-552-7124
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Central Texas Multiple Listing Service

Central Texas MLS | Four Rivers Association of REALTORS® All information deemed reliable but not guaranteed. All properties are subject to prior sale, change or withdrawal. Neither listing broker(s) or information provider(s) shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless. Listing(s) information is provided for consumer's personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. The data relating to real estate for sale on this website comes in part from the Internet Data Exchange program of the Multiple Listing Service. Real estate listings held by brokerage firms other than IREAF LLC may be marked with the Internet Data Exchange logo and detailed information about those properties will include the name of the listing broker(s) when required by the MLS. Copyright ©2022 All rights reserved.

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The information being provided is for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Based on information from the Austin Board of REALTORS®. Neither the Board nor ACTRIS guarantees or is in any way responsible for its accuracy. All data is provided "AS IS" and with all faults. Data maintained by the Board or ACTRIS may not reflect all real estate activity in the market.

LERA MLS

Information provided Courtesy of LERA MLS - Local Expertise Regional Access. IDX information is provided exclusively for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is believed to be accurate but not guaranteed. Provided courtesy of the San Antonio Board of Realtors. Copyright 2025 LERA MLS, All Rights Reserved.

Determining Your Coverage Need

If you understand the general types of life insurance, the next step is to think about your own life insurance needs.

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Choosing coverage amount.

In addition to your coverage period, the coverage amount is another important consideration. The coverage amount is how much will be paid to your beneficiaries. Your coverage amount will depend on the need you are trying to meet, but these are some general factors to consider:

  • Your potential income
  • Your assets
  • Your liabilities (such as debts)
  • Any existing insurance (individually owned or through work)
  • Other costs your family is expected to face

Determining coverage amount and duration by a life event.

Major events in your life can be good opportunities to make your initial life insurance purchase or review your current coverage. Use the table below to help determine your coverage amount and coverage period according to the milestones you have reached or that you will in the near future.

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    Choosing between term and permanent coverage.

    Identifying the appropriate type of insurance—term or permanent—is the first consideration in choosing coverage. If your insurance need is for your lifetime, then permanent insurance, such as universal life insurance may be an appropriate solution. If your insurance need is primarily for a specific period of time, such as your working years, then term life insurance may be an appropriate solution. It is important to choose a coverage period that will meet your life insurance needs to ensure that the people important to you are protected.