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However, this rule of thumb does not account for current assets or any special needs you and your family may have. Until you do so, there is never an obligation to buy. The amount of yearly income needed The number of years this income will be needed The average annual percentage of interest your investments will earn Future college education expenses Anticipated funeral and burial expenses Retirement needs Special needs for children or other family member s The Application Process Buying life insurance typically takes weeks. How long do I need coverage? The amount of coverage you select should be equal to the financial loss which the death of the insured will impose upon you or your beneficiary and many Industry experts recommend that you purchase 8 to 12 times your current annual income. Wage-earners need coverage for at least as long as they expect to be gainfully employed. If you would like for us to explore other carriers, please ask. If you would like for us to explore other carriers, please ask. How long do I need coverage? The policy owner is responsible for paying premiums in order to maintain the policy in force. Buying life insurance typically takes weeks. The insurance company collects data about your personal health by sending a medical examiner to your home or office, free of charge. Wage-earners need coverage for at least as long as they expect to be gainfully employed. Choosing the right life insurance policy Two questions present difficulty for most life insurance buyers: Homemakers need coverage for at least as long as their dependents children, invalids, etc. However, this rule of thumb does not account for current assets or any special needs you and your family may have. We are registered to sell Securities in the following states: Wage-earners need coverage for at least as long as they expect to be gainfully employed. Most life insurance companies require a medical exam as part of the life insurance application process. The amount of coverage you select should be equal to the financial loss which the death of the insured will impose upon you or your beneficiary and many Industry experts recommend that you purchase 8 to 12 times your current annual income. Homemakers need coverage for at least as long as their dependents children, invalids, etc. Buying life insurance typically takes weeks. We are licensed to sell Insurance Products in the following states: The medical exam can be completed at your home or any other convenient location of your choice and typically minutes to complete.

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