Assess your need for life insurance
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Calculate how much you need
Amount = Financial Obligations - Liquid Assets
Calculate obligations: Add your annual salary (times the number of years that you want to replace income) + your mortgage balance + your other debts + future needs such as college and funeral costs.
Amount = Financial Obligations - Liquid Assets
Calculate obligations: Add your annual salary (times the number of years that you want to replace income) + your mortgage balance + your other debts + future needs such as college and funeral costs.
Which type of life insurance do you need?
Temporary life is affordable and effective coverage only when you need it. Whole or Universal Life can provide lifetime coverage and savings benefits. You can even incorporate a blend of both depending on your specific needs. Follow the chart to learn about the different types.
Temporary life is affordable and effective coverage only when you need it. Whole or Universal Life can provide lifetime coverage and savings benefits. You can even incorporate a blend of both depending on your specific needs. Follow the chart to learn about the different types.
Shop the market
We aggregate quotes from all major life insurance carriers then provide a competitive analysis to determine which plan is right for you.
We aggregate quotes from all major life insurance carriers then provide a competitive analysis to determine which plan is right for you.
Choose your policy
Our expert brokers have dedicated experience navigating the life insurance market. Customize the perfect plan and sleep easy knowing you have made the best possible decision for your loved ones.
Our expert brokers have dedicated experience navigating the life insurance market. Customize the perfect plan and sleep easy knowing you have made the best possible decision for your loved ones.
Medical Examination
The exam is administered by a technician or nurse to obtain a quick view of your overall health. Tests will record:
The exam is administered by a technician or nurse to obtain a quick view of your overall health. Tests will record:
- Your pulse
- Your height and weight
- You're blood pressure
- Blood and urine sample
- Possible EKG depending on age and policy size
Underwriting Process
An insurance underwriter will evaluate the risk and the potential exposure of a potential insured. During this evaluation, the underwriter will decide how much coverage the applicant should receive, as well as how much premium the insured should pay for the particular amount of coverage.
An insurance underwriter will evaluate the risk and the potential exposure of a potential insured. During this evaluation, the underwriter will decide how much coverage the applicant should receive, as well as how much premium the insured should pay for the particular amount of coverage.
Free Look Policy
The period after you have purchased the policy. It is typically a 10-day span in which you can pull out of the contract and obtain a refund based on contract terms or state law. Excellent time to consult your broker with any last minute questions and make a final decision on wether the plan is right for you.
The period after you have purchased the policy. It is typically a 10-day span in which you can pull out of the contract and obtain a refund based on contract terms or state law. Excellent time to consult your broker with any last minute questions and make a final decision on wether the plan is right for you.
Sign the contract
You now have a contract between an insurance policy holder and an insurer, where the insurer promises to pay a designated beneficiary a sum of money (the benefit) in exchange for a premium, upon the death of an insured person.
You now have a contract between an insurance policy holder and an insurer, where the insurer promises to pay a designated beneficiary a sum of money (the benefit) in exchange for a premium, upon the death of an insured person.