What type of Medical Exam Is Required

Term life insurance has a guaranteed level premium that expires in a set number of years and provides a death benefit for your dependents when you pass away. Your dependents receive the benefit if you die, as long as the policy is in effect.

Your dependents will not receive the benefits if the policy lapses, or you die after it expires.

The Term Length is also the guaranteed level premium period, meaning you pay the same annual cost for the policy during that term. At the end of the Term Length, you may continue to pay premiums to keep your policy coverage, but these premiums may be significantly higher than the guaranteed level premium during the Term Length period.

Contact us with any questions and for additional assistance in purchasing insurance coverage.

As a rule of thumb, a quick estimate for life insurance needs might be 7 to 10 times your annual income.

However, we recommend that you do a more diligent assessment of your needs using our life insurance needs calculator. Our online term life calculator helps you think through your coverage needs. It is set up to ask you the right questions and help you identify existing debts, current living costs, and future expenses that you should provide coverage for. It’s quick and easy to use our insurance calculator.

Life Insurance Needs Calculator

To get a more accurate quote through our life insurance premium quoter you need to know your exact coverage needs. Without calculating your coverage requirements, it can be easy to either under or over estimate the amount of money your loved ones will need to be financially secure in your absence. To get an accurate number using our life insurance needs calculator, you’ll need to consider the following costs:

• Existing Debts (Mortgages and other debts)

  If you have large credit card balances, a mortgage on your family home, a car loan, or any other debts that would be passed over to you family or impact their lives, you need to include it in your calculations and if you wish to leave enough money to cover these costs.

• Living Costs (Replacement income to address your family's ongoing needs)

  Life insurance is a great way to cover your family’s living costs for a number of years. This is especially important if you are the main income provider or a stay-at-home parent. Term life insurance is the perfect way to replace your income, provide for childcare costs, and cover any additional day-to-day expenses.

• Future Expenses (College for your children, weddings, etc.)

  One of the many uses of life insurance is providing for your loved ones’ long term future. Many people use life insurance to ensure their family's dreams are financially fulfilled. For example, if you have children and would like them to attend college, you could leave a lump sum to cover their college education costs. Other examples include home down payments, wedding funds, and legacy amounts.

• End of Life Bills

  Many people are surprised to learn just how expensive funeral costs can be. In fact, the average funeral can easily exceed $10,000. Providing a lump sum to pay for these costs can save your family from having to find the money to pay for these bills.

Our online life insurance calculator will work through these expenses with you and calculate the right amount of coverage you will need to protect your family financially should you pass away unexpectedly.

Life Insurance Quotes For The Coverage You Need

It takes just a few minutes to use our online life insurance calculator. Once you’ve calculated your coverage needs, our online quote form will present the best value options for your specific needs. It can find you life insurance quotes from the highest rated life insurers in the country. We’re here to help you make a smart insurance choice. Start your life insurance search by using our life insurance quote calculator, today.

Based on your answers to these questions, we will determine the proper underwriting class. Your final rates may vary based on additional information gathered during the underwriting process.

Are you presently taking medication for blood pressure, or does your blood pressure exceed 135/80?

Are you presently taking medication for cholesterol, or does your cholesterol exceed 210?

Have any of your parents or siblings been diagnosed with or died from cancer or heart disease before age 61?

Have you ever received medical advice or treatment for any of the following conditions:

A.M. Best is an independent rating agency that focuses on rating insurance and financial companies with regard to their credit quality and ability to pay future claims made by policy holders. A.M. Best has been rating since 1899 and the SEC (Securities and Exchange Commission) and the NAIC (National Association of Insurance Commissioners) have determined that A.M. Best is a recognized statistical organization.

We ask for a phone number so our agents can get in touch and complete your life insurance application.

We will only use your secondary number if you are unable to be reached at your primary phone number.