George Kamel

It's about deciding.

It puts your wishes in writing so no one has to guess, and judges don't have the final say.

That's why I recommend Mama Bear Legal Forms.

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It's completely online, no lawyers required.

You can get it done in about 20 minutes.

The price you see at the start is the price you pay later.

with Mama Bear.

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Go to MamaBearLegalForms.com, use the promo code Ramsey, and save 20% on your will.

That's MamaBearLegalForms.com, promo code Ramsey.

We'll be right back.

I also discovered that there are a lot of rip-offs in the life insurance world, like that whole life crap posing as an investment opportunity.

What you need is level term life insurance, usually 10 to 12 times your income, which is the smartest, most affordable way to protect your family.

The key is finding an independent broker who represents a ton of companies and works for you, not for the insurance company.

This is exactly what my friend Jeff Zander and his team at Zander Insurance are all about.

They shop the term life companies to find you the best options, and they've been around for over 95 years.

so you know they'll be there when you need them.

Zander is the real deal, and that's why they've handled all my personal insurance for over 25 years.

I trust them, and you can too.