How to get a life

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“Get/move on with one’s life.” Dictionary, Merriam-Webster, Accessed 9 Apr. 2022.



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What should I do with my life?

Unlike so many other questions you have about your career, this one’s not quite as easy to Google. (Or—shameless plug—to look up on The Muse.)

SEARCH OPEN JOBS ON THE MUSE! See who’s hiring here, and you can even filter your search by benefits, company size, remote opportunities, and more. Then, sign up for our newsletter and we’ll deliver advice on landing the job right to you.

The good news is, you’re not alone—in fact, I’ll guarantee that everyone has pondered their career path, finding their passion, or what they’re meant to be doing at some point. And luckily, many of them are willing to share their advice. If you’re at a loss for what steps to take next, read on for the best pieces of advice from a recent Quora thread on this very issue.

1. Talk to People

Meet or call at least 50 people. They can be your friends, relatives, friends of friends/references. Call them up, schedule a meeting, go see them and interact with them on what they are doing. Don’t expect anything, don’t ask them to find you a job, don’t ask them to give you a job. Just talk and meet and have a normal conversation.

You’d be surprised at how much you can learn just listening to other people talk. OK, yes, sometimes you might not learn much more than how badly traffic was backed up during rush hour. But other times, if you listen (and listen between the lines), you’ll get insight into people’s motivations, hopes, dreams, and ambitions. And when you piece all that together, you can learn how others got to where they are today—and if that’s a path you want to be on, too. (Try these informational interview questions if you have no idea where to start.)

2. Get Started

My suggestion is to do something. Even if it isn’t quite the right thing, it is nevertheless movement that can give you an opportunity to experience. You can spend a lot of time taking tests and getting evaluations for what you might be suited for; ideas always sound good on paper. But words don’t match experience, so acting on something is your best choice.

Regardless of what you generally want to do, it never hurts to start building something. Really anything. Start creating a portfolio, launch a career newsletter, or learn how Periscope works. There are so many things you can do for your career—even if you don’t know what you want to do. And, just like the previous advice, the actual act of doing will help further clarify what paths you might want to be on, and which ones you should rule out.

3. Gather Inspiration From Others

Walk into your local bookshop and go straight to the autobiography section. Buy three books from across different industries, societies, and cultures. Focus on biographies that document great and successful people’s early lives, before they were great. Read them before bed. Wake up in the morning and write down 10 things you could do differently that day. Do some of them. Do this the next day. And then do it again.

No matter what you do, you probably want to be successful at it. So what better way to get started than by learning how others reached their goals? Keep in mind as you’re reading that these people weren’t born knowing what they wanted to do either. (Get more inspiration from this list of 30 things to read, watch, listen to, and do to help you answer this age-old question.)

4. Prepare for a Long Journey

Expect that it is going to take a while and involve several iterations, or so-called “life crises” to figure it out. For most people it’s a long and often unfinished journey.

One huge misconception about figuring out what you want to do with your life is that you will have a sudden, magical moment of extreme clarity and then have your entire life planned.

In actuality, lives shift constantly, and you’ll need to regroup and reconsider your journey as you go along. So instead of being surprised when you have to make new decisions, anticipate them, and dare I say it, be excited for them.

5. Leave Your Comfort Zone

Try new things and widen your horizons. Try something you’ve always wanted to but never got around to, something that scares you, something that is very different from what you normally do.

Maybe you don’t know what you want to do because you haven’t tried what you’re meant to do yet. And you won’t know if that is true or not until you get out there and start ruling things out.

Seriously, it’s easy to get into a rut and feel like you have no options besides what you are you doing right now. However, by taking a step outside your comfort zone, you might be surprised by how much you end up liking something that you never in a million years imagined you would.

6. Be Okay With Failing

Learn the skills that are needed to accomplish what you want to achieve. Most of us fail in [our] first attempt. We keep failing and learning and growing. [The] point to be noted is that this is the time to learn, experiment, grow, and fail without any substantial damage.

Nothing will slow you down more in your quest to figure out what to do with your life than being afraid of failure. Yes, you’ve heard this before—but that’s because it’s true. You won’t ever be able to nail down what makes you happy if you rule everything out because it sounds hard.

7. Enjoy Not Knowing

Enjoy the meanderings, the soul-searching, the loves lost, the time wasted. All of it will add up to a complex and very unique ‘you.’ The more you appreciate right now, the more the future will become a fantastic reality. Don’t pressure yourself to be in the future.

You know how math problems always seem impossible when you first look at them, but then, after taking a break, the answer feels so obvious? Figuring out what you want to do with your life is kind of like that.

By focusing on other less-pressing matters, the obvious answer may just come to you when you’re least expecting it—and it will be clearer than you ever imagined it to be.

Feel better about not knowing what you want to do with your life? A little? Just remember that you don’t have to have it all figured out. And that even when you do, you might change course a few times. So don’t worry about having all the answers—just thinking about it is a good start.

What other tips do you have for figuring out what to do with your life? Let me know on Twitter.

Need More Help? Try this worksheet to help you find your passion over your lunch break!

Контент для этой игры Просмотреть все (1)

Об этой игре

Half-Life: Alyx — это возвращение Valve во вселенную Half-Life в виртуальной реальности. Это история невозможной борьбы с жестокой расой пришельцев, известной как Альянс. События происходят между Half-Life и Half-Life 2.

Вы играете за Аликс Вэнс, и вы — единственный шанс человечества на спасение. Контроль Альянса над планетой после инцидента в Чёрной Мезе только усилился: оставшееся население согнано захватчиками в города. Среди жителей остались и лучшие земные учёные — вы и ваш отец, доктор Илай Вэнс.

Как организаторы зарождающегося сопротивления, вы продолжаете подпольную научную деятельность — проводите важнейшие исследования и создаёте инструменты для тех немногих, кто осмелился бросить вызов Альянсу.

Каждый день вы узнаёте всё больше о враге, и каждый день — это поиск его уязвимостей.


Возвращение Valve во вселенную Half-Life, которая стала началом для всей компании, создано с нуля для виртуальной реальности. Виртуальная реальность создана как раз для такого стиля игры, который лежит в основе Half-Life.

Погрузитесь в яркие взаимодействия с окружением, решение головоломок, исследование мира и инстинктивные бои.

Научитесь целиться через сломанную стену или уклонитесь от барнакла и сделайте невероятный выстрел. Обшарьте полки в поисках медкомплекта или патронов. Взламывайте интерфейсы пришельцев с помощью разнообразных инструментов. Швырните бутылку через окно, чтобы отвлечь врага. Сорвите хедкраба со своего лица и выбросьте его в окно.

Миры, созданные сообществом

В комплекте с игрой идёт набор инструментов Source 2 для создания новых уровней, позволяя каждому проектировать новые миры и делиться ими с сообществом через мастерскую Half-Life: Alyx в Steam. Мы обновили редактор уровней Hammer, добавив в него все инструменты и компоненты, необходимые для создания виртуальной реальности.

How to get a life

This article is available for download as a free PDF ebook. Click the button below to download.

How to get a life

“Your time is limited, don’t waste it living someone else’s life. Don’t be trapped by dogma, which is living the result of other people’s thinking. Don’t let the noise of other’s opinion drown your own inner voice. And most important, have the courage to follow your heart and intuition, they somehow already know what you truly want to become. Everything else is secondary.” — Steve Jobs

How do you feel about your life today? Do you live every day in excitement? Do you look forward to what’s coming up next? Are you living your best life?

If your answer to any of the above is a no, not sure, or maybe, that means you’re not living your life to the fullest. Which really shouldn’t be the case, because your life experience is yours to create. We all have good days and bad days, and the most important thing is to make the best out of each day, regardless of the good or bad. Ultimately, we only have one life to live. We can’t control all the bad things that happen, but we can change our attitude toward them — and in the process, shape our future and create our most amazing life experience.

In this post, I want to share 101 timeless tips to live our best life. Don’t let yourself be overwhelmed by these 101 tips — use them as a guide, and focus on applying just one or two a day. As you work on these tips, you’ll find yourself becoming more conscious and more proactive in creating the life of your dreams. Be sure to bookmark or print out this page and refer to it daily!

Here are 101 ways to live your life to the fullest:

    Live every day on a fresh new start. Don’t be held back by what happened yesterday, the day before, the week before, the year before, or even decades ago. Life is short, so live in the present moment.

How to get a life

How to get a life

How to get a life

How to get a life

How to get a life

How to get a life

How to get a life

How to get a life

How to get a life

This is part of the Inspiration & Motivation series. Check out the other articles in the series:

Live a Better Life in 30 Days Program

If you love this post, you’ll love the Live a Better Life in 30 Days Program (30DLBL). Also known as “personal growth on steroids,“ 30DLBL is a 30-day intensive life transformation program designed by me to help you live a better life in just 30 days. It is packed with 30 high-impact tasks, some of which are inspired by this 101 list post, to be done one per day.

At the end of the 30 days, you’ll find yourself at a completely different place compared to a month ago.

How to get a life

Do you wake up feeling sluggish most mornings? Have caffeinated beverages become a necessity to help power you through the day? If this sounds familiar, it’s time to ditch the quick fixes you rely on, and develop an energy management plan. Getting started may seem daunting, but soon you’ll be energized to keep going once you reap the benefits of a happier, healthier and more productive lifestyle.

What is energy management?

Think of your energy as a limited resource, like money in an account. You begin the day with a certain amount to spend, which varies from person to person based on factors, such as age, sleep, stress levels, medical conditions and lifestyle. Throughout your day, multiple transactions (activities) occur as you withdraw energy from and deposit energy into your account. While you may not always have control over activities that deplete your energy, you can take steps to deposit more energy into your account.

Follow these 7 tips to increase your energy and live a happier, healthier, more productive life:

1. Eat nourishing food.

We all know that wholesome food is the crux for well-being, but it’s common to regard healthy eating primarily as a tool for weight loss. However, according to the 2015 Dietary Guidelines for Americans, a balanced diet high in fruits and vegetables, lean protein, low-fat dairy and whole grains is what you need for optimal energy. After all, you really are what you eat to some extent. Consume a variety of foods from all the food groups to get a range of nutrients to energize you throughout the day. Opt for fresh or frozen fruits and vegetables, especially nutrient-dense dark, leafy greens and broccoli, as well as orange vegetables, including carrots and sweet potatoes. There are many types of fish and legumes to choose from for healthy protein options. Aim to eat 3 ounces of whole-grain cereals, breads, rice or pasta daily.

2. Sleep seven to eight hours a night.

Getting more sleep seems to be a healthy habit many people need to improve on. We already know that we need at least seven hours of shut-eye each night, so what prevents us from getting it? Think about how you can improve your biggest sleep disruptors and know this: Sleep deprivation can perpetuate serious health conditions, as well as negatively affect your mood, motivation and energy levels. Prioritizing sleep is one of the best things you can do to set yourself up for a successful, energized day.

3. Keep company with good people.

Maximize the amount of time that you spend with people you enjoy being around. Connecting with others who radiate positivity and have similar interests will excite and energize you. On the flip side, people you don’t relate to or who have negative outlooks, complain often or make poor choices will only drain your energy account. Be selective in the company you keep.

4. Avoid news overdose.

The news is an important way to stay connected to what’s happening in the world. It can be educational, entertaining and even uplifting. Unfortunately, the news too frequently is bombarded with stories of suffering. These stories can skew your view of the world and cause you to focus on your worst fears instead of recognizing the good that surrounds you. You can’t avoid these stories altogether, but try to minimize your exposure when you can, especially during trying times.

5. Get regular exercise.

Do you find yourself feeling lethargic halfway through the day? Have you ever gotten winded by simple everyday duties, such as grocery shopping or household chores? Contrary to what you might believe, getting the 150 minutes of weekly activity recommended by the Physical Activity Guidelines for Americans can add to your energy account and not subtract from it. How? Exercise relieves stress and tension, strengthens muscles and boosts endurance, which helps your body to work more efficiently during other physical tasks or activities.

6. Do something meaningful each day.

What do you feel passionate about? Do you have a special talent that you’d like to practice more often or share with others? Do something you enjoy every day, even if it’s something as simple as cooking a healthy meal or listening to your favorite song. Putting effort into the things that matter most to you will help you utilize and reserve your energy in ways that will bring out the best in you.

7. Think good thoughts for others.

Maintaining a compassionate mindset is another way to conserve energy. One example of practicing this way of thinking is called kind attention. For example, try to make eye contact with a stranger and smile, while thinking “I wish you well.” This positive act can, instead, keep you from judging that person. Judging others can cause us to place judgment on ourselves, and that type of negative internal dialogue can be exhausting.

You’ll feel better with each step you take toward this important self-care investment.

Here are a few simple activities that will help you become more mindful of caring for yourself:

Monitor your energy.

Take your energy “temperature” at various points throughout the day, assigning it a number from 1 to 10, with 10 being the highest energy level. Pay attention to the details of your day so you can identify the people or events that impact you the most.

Make incremental changes.

Once you are aware of some of the people or events that sabotage your energy, consider your next steps. Rather than tackling everything at once, choose an area that is important to you, and be realistic with the goals you set. For instance, if disorganization in your home is a big source of daily stress, pick one cabinet, closet or drawer to clear out each week instead of overwhelming yourself with doing it all at once. Then move on to your next goal when you feel ready.

Plan and prioritize.

Take note of the times during the day when your energy levels tend to be the highest. Decide how you can take advantage of those moments by prioritizing important tasks when you are feeling fresh and productive.

How to get a life

I’ve trained with some of the best coaches on the planet during my 20-year sports career, and again when I competed in the 2008 Olympics.

But when I wanted to start my own company, to share my knowledge about motivational psychology and training with others, it wasn’t as easy as I’d thought it would be.

Launching a new business is not easy. You have to give up the comforts of a stable paycheck to delve into the unknown, an unpredictable abyss. A lot of things keep us from making the leap—things like fear and insecurity. And one thing above all the rest: motivation.

When I looked back on my days as an athlete, I understood what was different. I remembered what (or who) made me push myself even when I didn’t want to. The difference was, as an athlete, I had structured days and a coach to report to. Structure keeps us focused and a coach keeps pushing and challenging us.

Thankfully I passed this stage and I founded Onbotraining, an online coaching service that helps people achieve their goals. I decided to collect the lessons I’ve learned along the way and to share them with others, like you, striving to better themselves.

So here are my 10 best tips for achieving anything you want in life.

1. Focus on commitment, not motivation.

Just how committed are you to your goal? How important is it for you, and what are you willing to sacrifice in order to achieve it? If you find yourself fully committed, motivation will follow.

2. Seek knowledge, not results.

If you focus on the excitement of discovery, improving, exploring and experimenting, your motivation will always be fueled. If you focus only on results, your motivation will be like weather—it will die the minute you hit a storm. So the key is to focus on the journey, not the destination. Keep thinking about what you are learning along the way and what you can improve.

3. Make the journey fun.

It’s an awesome game! The minute you make it serious, there’s a big chance it will start carrying a heavy emotional weight and you will lose perspective and become stuck again.

4. Get rid of stagnating thoughts.

Thoughts influence feelings and feelings determine how you view your work. You have a lot of thoughts in your head, and you always have a choice of which ones to focus on: the ones that will make you emotionally stuck (fears, doubts) or the ones that will move you forward (excitement, experimenting, trying new things, stepping out of your comfort zone).

5. Use your imagination.

Next step after getting rid of negative thoughts is to use your imagination. When things go well, you are full of positive energy, and when you are experiencing difficulties, you need to be even more energetic. So rename your situation. If you keep repeating I hate my work, guess which feelings those words will evoke? It’s a matter of imagination! You can always find something to learn even from the worst boss in the world at the most boring job. I have a great exercise for you: Just for three days, think and say positive things only. See what happens.

6. Stop being nice to yourself.

Motivation means action and action brings results. Sometimes your actions fail to bring the results you want. So you prefer to be nice to yourself and not put yourself in a difficult situation. You wait for the perfect timing, for an opportunity, while you drive yourself into stagnation and sometimes even into depression. Get out there, challenge yourself, do something that you want to do even if you are afraid.

7. Get rid of distractions.

Meaningless things and distractions will always be in your way, especially those easy, usual things you would rather do instead of focusing on new challenging and meaningful projects. Learn to focus on what is the most important. Write a list of time-wasters and hold yourself accountable to not do them.

8. Don’t rely on others.

You should never expect others to do it for you, not even your partner, friend or boss. They are all busy with their own needs. No one will make you happy or achieve your goals for you. It’s all on you.

9. Plan.

Know your three steps forward. You do not need more. Fill out your weekly calendar, noting when you will do what and how. When-what-how is important to schedule. Review how each day went by what you learned and revise what you could improve.

10. Protect yourself from burnout.

It’s easy to burn out when you are very motivated. Observe yourself to recognize any signs of tiredness and take time to rest. Your body and mind rest when you schedule relaxation and fun time into your weekly calendar. Do diverse tasks, keep switching between something creative and logical, something physical and still, working alone and with a team. Switch locations. Meditate, or just take deep breaths, close your eyes, or focus on one thing for five minutes.

You lack motivation not because you are lazy or don’t have a goal. Even the biggest stars, richest businesspeople or the most accomplished athletes get lost sometimes. What makes them motivated is the curiosity about how much better or faster they can get. So above all, be curious, and this will lead you to your goals and success.

How to get a life

Every year between November 1 and November 30, government pensioners are required to submit their annual life certificates to continue receiving pension. However, pensioners aged 80 years or above can submit the life certificate October 1 onwards. Thus, these pensioners get two months to submit their annual life certificate. The last date of submitting the annual life certificate is November 30.

The Department of Pension and Pensioners' Welfare issued an office memorandum on September 20, 2021, regarding various ways a pensioner can submit the annual life certificate, commonly known as Jeevan Pramaan Patra. A pensioner can submit the life certificate physically (by visiting the bank, post office, availing doorstep service) or digitally. Here are five ways a pensioner can submit the life certificate or Jeevan Pramaan Patra.

Online submission
Via the Jeevan Pramaan Portal: Pensioners can submit their life certificate online using Jeevan Pramaan Portal ( A pensioner will be required to download the Jeevan Pramaan app from the portal. Further, a pensioner will need a UIDAI-mandated device to submit his/her fingerprints. Fingerprint device can be connected to the mobile phone via an OTG Cable. The list of UIDAI mandated devices is available on Jeevan Pramaan portal. These devices can be easily bought from e-commerce websites.

Once the mobile app is downloaded and mandated fingerprint device obtained, the pensioner will have to register on the app, which is a one-time process. The registration will be done by mentioning the pensioner's Aadhaar number, mobile number and email ID. For ease of convenience, it is not mandatory for the mobile number to be linked with Aadhaar number of the pensioner. One can follow the steps given on the app to submit the digital life certificate.

Physical submission
Visiting pension disbursing bank: One of the most common ways of submitting life certificate is by visiting pension disbursing bank and submitting the duly filled form. The forms are available at the bank counter.

Submission of life certificate at home using Doorstep banking Alliance: Doorstep banking (DSB) is an alliance between 12 public sector banks. The banks include State Bank of India (SBI), Punjab National Bank (PNB), Bank of Baroda and others.

  • The mobile app is called 'Doorstep Banking' and can be downloaded from Google Playstore.
  • The website for booking the service is
  • A pensioner can call on toll-free number 18001213721 or 18001037188 to book the service.

Submission of life certificate through postman at home: The Department of Posts along with the Ministry of Electronics and Information Technology (Meity) launched the Doorstep Service for submission of Digital Life Certificate through Postman in November 2020. To submit life certificate using this facility, a pensioner will have to download the Postinfo App from Google Playstore.

Submission through designated official: As per the circular: Personal appearance of a pensioner will not be required, if the pensioner submits the life certificate form signed by any 'designated official'. In accordance with para 14.3 of the Scheme booklet issued by Central Pension Accounting Office (CPAO), a pensioner who produces a life certificate in the prescribed form signed by persons specified in exempted from personal appearance. A list of designated official specified for signing the life certificate as per the scheme booklet of CPAO can be accessed here.

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How to get a life

When was the last time you had fun? Not “I saw a TikTok of a dancing bird” fun, but more like true, lost-track-of-time, laughing out loud, never forget it fun?

Look, I know it takes a lot of hustle to just be in the world sometimes. But I have an important message for you: Fun is not frivolous! When we have true fun (more on that later), we stave off loneliness, we stop judging ourselves and we can walk away from a couple of hours of fun with energy that buoys us long after the guitar is back in its case or the deck of cards is back in the drawer.

It’s important to acknowledge that to have fun, you really need to have your basic needs met. But making space for fun doesn’t mean needing to go on a fancy vacation or spending a bunch of money on equipment: Fun can be sledding down a hill or singing a song.

How to get a life

Catherine Price is a speaker, journalist and the author of several books, including How to Break up with Your Phone and The Power of Fun: How to Feel Alive Again. Left: Colin Lenton; Right: The Dial Press hide caption

I talked to Catherine Price, author of The Power of Fun: How to Feel Alive Again, about how to add more fun to your life. Let’s start with Price’s definition of true fun:

Price’s book defines fun as a time when you are able to embody a mix of three things: playfulness, connection and flow.


“I don’t mean you have to play a game. You don’t have to play make-believe, you have to do charades,” says Price.

Playfulness is when you embrace a spirit of lightheartedness and freedom. It means letting go of the idea that you have to be perfect or to achieve something.


You feel a sense of connection with the activity that you’re doing. You feel a sense of connection with your physical body. Or, most likely, you feel a sense of connection with another person or group of people through a shared experience.

You know that thing where you’re totally immersed in something and can even lose track of time? That.

Price has a handy acronym that just might help you bring more fun into your days: SPARK

SMake space for fun! Put your phone down, or even set aside some time on your calendar to make sure you are really dedicating yourself to looking for fun.

PPursue passions. “You don’t need to put pressure on yourself and think ‘I’m going to become a professional snowboarder,'” Price says. Set the bar low! Look for things that interest you and let those guide you.

A — A is for attracting fun, which means having an open mind about when and where fun might appear. Price recommends an improv-style “yes, and” approach to having fun, where you look for fun as well as jump into other folks’ fun.

RRebellion! Price found in her research that a little bit of gentle rebellion was a good way to make fun happen. So, jump in a pool with your clothes on! Go roller skating in the middle of the night! Stepping out of what is expected of you can be a great way to seek out fun moments.

KKeep at it! Like any new practice, the only way to really incorporate it into your life is to try it many times. So don’t give up if basket weaving doesn’t work for you — maybe it’ll be guitar or making zines or working in the community garden that becomes your next fun magnet!

More on how to have fun (including a quiz that will tell you your fun personality type) here.

The podcast portion of this story was produced by Clare Marie Schneider with engineering support from James Willetts.

Life insurance policies can cost as little as $12 a month. See note 1

Have questions? Call us at 800-531- 5433 Life 800-531- 5433 Life (Hours) of Operation (Opens Popup)

How to get a life

Get a life insurance overview.

Watch a quick video about why you need coverage, how much you might need and how budget friendly it can be.

Which type of Coverage is best for me?

Life insurance generally falls into two categories — temporary and permanent. The right fit for you often depends on your goals.

Term Coverage

Get income protection for as little as $12 a month and enjoy other great benefits:

  • Paying off a mortgage
  • Paying kids’ education
  • It grows with you See note 2
  • Fixed premiums

Permanent Coverage

Get income replacement and enjoy other great lifetime protections and benefits:

  • Your family’s future
  • Final expenses
  • Leave a legacy
  • Flexible premiums

Why should I get life insurance?

Life insurance can help give your family peace of mind when they need it the most. It can be used to replace your income, cover burial expenses, pay off debt or leave a legacy. Most importantly, it can provide security for your family’s financial future.

Benefits of USAA Life Insurance

Coverage Flexibility

Make updates to your policy as life changes to ensure your coverage needs are met.

Help for Your Loved Ones

Get peace of mind knowing your beneficiaries will get guidance from a dedicated team during their time of need.

Military-Related Benefits

Protection for those deploying, actively serving, or separating.

Financial Strength

Rest assured USAA is committed to providing members with excellent service and has for nearly 60 years.

Get started with these 3 simple steps.

Step 1: Get an Estimate

Determine your needs by answering a few questions. We’ll show you options that are a match for your financial situation.

Step 2: Apply

Apply for the plan that meets your goals. Your application will be reviewed by our underwriters andyou may need to have a quick medical review. If so, we’ll come to you.

Step 3: Purchase

Protect the ones you love by getting your life insurance approved and in place. Premium payments aren’t required until your policy’s approved and finalized.

Protect the ones that matter most to you.

Have questions? Call us at 800-531- 5433 Life 800-531- 5433 Life (Hours) of Operation (Opens Popup)

  • Monday to Friday 7:30 a.m. to 7 p.m. CT
  • Saturday and Sunday Closed

Watch these tips to help you get started

Video Transcript: Watch these tips to help you get started

Video Duration: 1 minute 16 seconds

You Need Life Insurance [00:00] Elapsed Time start

If you financially support a partner, children or aging parents, you need life insurance. It will help your loved ones pay for your final expenses during a difficult time, and also provide financial support to maintain a standard of living that they’re used to.

Common Myths [00:17] Elapsed Time 17 seconds

A common myth is that life insurance is too expensive. Fact is, more than half of Americans estimate the cost of a term life insurance policy at more than three times the actual cost. Younger Americans are likely to estimate the cost to be as much as five times the actual cost. Life insurance can be a cost-effective way to provide the financial resources your family needs when you’re no longer here.

How Much Do I Need [00:40] Elapsed Time 40 seconds

So, how much life insurance do you need? The rule of thumb is to have enough coverage to be able to maintain the standard of living that your family is used to. A good amount to start with is enough insurance to pay off all debts and replace your annual income for at least five years. This should give your family enough money to keep the roof over their head and their living needs paid for.

See How Affordable It Can Be [01:02] Elapsed Time 1 minute 2 seconds

To see what your life insurance needs are, select “Get My Estimate” and see how budget friendly it can be to provide security for your family’s financial future.

End [01:16] Elapsed Time 1 minute 16 seconds

Get An Estimate

Who is this estimate for?

Note 1 Rates shown for $100,000 10-year Level Term V for a 35 year old male at best risk class available for these products. Risk class is determined by factors such as tobacco use, health, family medical history and lifestyle. Quotes provided are intended for estimate purposes only. We round up your life insurance needs amount to the nearest commonly purchased coverage amount. The presented quote may represent a higher amount of coverage than you apply for. Your actual premium will be determined by underwriting review. Rates may vary by state. Level Term V: Premiums remain level for the duration of the Initial Benefit Period, then increase annually while benefits remain the same. Form ICC2099555 01-20 (varies by state). In New York: New York Term Series V, Form NLT99235NY 06-20. Call for details on specific policy costs, benefits, limitations and availability in your state.

Note 2 The Term Life Event Option Rider is available at no additional cost with a Level Term V life insurance policy. It gives you a one-time option to purchase additional term life insurance upon the occurrence of a Life Event. Additional insurance limited to the lesser of $100,000 or the face amount of the base policy. Additional insurance requires payment of additional premium. Rider expires after 10 years or when insured is age 45, whichever comes first. The rider is subject to issue age limitations and other terms, limitations, and conditions. Availability and benefits may vary by state. Form: ICC1598284 03-15 (may vary by state); NY Form LBR98303NY 03-15.

Universal Life Insurance is a flexible premium adjustable life insurance policy.

Use of the term “member” or “membership” refers to membership in USAA Membership Services and does not convey any legal or ownership rights in USAA. Restrictions apply and are subject to change.

Life insurance and annuities provided by USAA Life Insurance Company, San Antonio, TX and in New York by USAA Life Insurance Company of New York, Highland Falls, NY. All insurance products are subject to state availability, issue limitations and contractual terms and conditions. Each company has sole financial responsibility for its own products.