Determine your needs > Understand how Life Insurance works > Get your own quote.

A valuable financial tool

Invest in your family's future
Provide a safety net for those you depend on you - pay off debts, mortgage, and provide college funding
Protect your business

How much do I need?

Great question! It all depends on what is right for you. You are ensuring your life even though others may have a different value of you, its pretty important. 

So, consider: 
• How healthy are you (if you need to get in better shape here are some resources:)? 
• How much insurance you already have? • How much of other financial resources are available to you today and in the future 
• Who you are protecting and for how long?

Be sure to check out Uses and Types for more information on the different aspects of Life Insurance.

Get your own quote!

Want to get hassle free do it yourself on your own time quote? Not a problem. You can do so through Quote and Apply . Inside the application there is an online calculator to help you determine how much life insurance you need, and shop for quotes at your own pace. Should you need help during the process you can request for an agent to assist you at that time.

Next Steps

After you get your Quote and you are ready to Apply for either a term or permanent policy, you’ll want to have the following information handy: 
• Personal information about your current and past health conditions, as well as your family’s health history. #Ugh. 
• Selecting your beneficiaries, those who will receive the payout when you die. Be sure you have their Names, Social Security numbers and dates of birth. #embarrassednotknowbyheart!
• You will probably have to answer questions about criminal convictions and driving violations such as a suspended driver’s license or DUI, particularly if they happened within the past few years. #DoubleUghBeenThereDoneThatEmbarrassed 
• Your medical records and exam - The insurer may need your consent to get medical records and ask you to take a life insurance medical exam. It sucks but it’s not that bad #pleasenofingerinmybutt. Probably not happening. Also, most insurers always check other data sources, such as the Medical Information Bureau “MIB Group” (not to be confused with MIB, Will Smith, or Tommy Lee Jones), who are a non-government agency which collects data on medical conditions, public data (like your driving record), and if (when) you do risky things for fun. 

General thoughts on being prepared for your medical exam to obtain accurate results: 
• Try and schedule exam first thing in morning (Fast 4-8 hours prior to exam)
• Limit salt and high-cholesterol foods 24 hours prior to exam
• Refrain from drinking alcohol at least 24 hours prior to exam (may increase fat in blood and liver functions)
• Limit caffeine and nicotine (if you use) 24 hours prior to the exam (may increase blood pressure and cholesterol) 
• Smokers should not smoke 30 minutes prior to exam (may constrict artery walls and elevate blood pressure) 
• Drink water one hour prior to the exam 
• Get a good night sleep prior to the exam