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Compare rates of 50 leading Life
Insurance
companies in seconds
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Coverage Amount
How
much coverage do I need?
If you are a family breadwinner with dependents,
financial planners suggest carrying ten times your annual
income. If you are a non-working caregiver at home, we
suggest your choice of $150,000 to $500,000. If you are
looking for burial coverage only, we suggest $5,000 to
$25,000.
Click
here to access the Life Happens life insurance needs
calculator.
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Coverage Estimator Tool
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ZIP & State of Residence
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Birth Date
(Ages 14 Days - 85 Years) |
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| Gender |
Male
Female
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Any tobacco, nicotine
or marijuana use?
Why
do life insurers ask about this?
Nicotine use of any kind, including marijuana use, is
looked at very closely by all life insurers. Smoking,
chewing, inhaling in a vaporized form, consuming in
edible products, and wearing a patch on the skin, all
constitute use of these products. Non-admittance of
marijuana use can result in a decline. Sources of
information the insurer may use include: statements made
on your application, telephone interviews, your paramed
exam results (if one is required), your outside medical
records and your Medical Information Bureau (MIB)
profile. If you currently use marijuana AND any
product containing tobacco or nicotine, please select the
response that most closely describes your tobacco or
nicotine use. Always be 100% honest when you answer
tobacco use questions to ensure accurate quotes.
Remember, a false statement on an application for
insurance could void your coverage.
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Height & Weight
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Height
Weight (with
clothes on)
Why
does the life insurance company need to know your
actual weight?
Weight (with clothes on) is a key rating
factor with all life insurance companies. Please give
an honest answer here so that you can receive
accurate rate quotes. And keep in mind that the
paramed examiner who visits you will be carrying a
portable scale, so be honest here.
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Non-medical questions that can affect your premium
Did
you think that life insurance companies look only at your
health history? Not true. Today, life insurance companies
look just as closely at many non-medical aspects as they
do at your health. Items looked at very closely include
disability, receiving government benefits, open
bankruptcy, U.S. citizen status, hazardous activities such
as mountain climbing or racing, intended foreign travel to
dangerous countries, private pilot intentions, scuba
diving habits, driving and criminal record status. In
order to receive an accurate rate quote, always be honest
in your answers to these questions.
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Are you now receiving disability payments from any source?
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No Yes |
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Are you now receiving any form of government assistance such as Food Stamps, WIC or Medicaid?
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No Yes |
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Have you ever filed for bankruptcy?
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No
Yes |
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Has it been less than 2 years since the bankruptcy has been discharged or are you currently in a repayment plan?
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No
Yes |
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Do you work at a paying job (employed or self-employed) 30 or more hours per week?
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No
Yes |
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Are you a U.S. Citizen?
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No Yes |
| What type of
visa do you have? |
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Do you intend to participate in commercial aviation, private aviation, scuba diving, motorized racing, mountaineering or rock climbing, travel
to any country on the U.S. State Department's
Travel Warnings list, or any other potentially hazardous activities? |
No Yes |
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Specify the type of climbing, years of experience, average heights, degree of difficulty, and other details related to your mountaineering and/or rock climbing.
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Specify the type of racing, years of experience, type of vehicle and track, and other details related to your motorized racing activities.
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Specify the exact purpose of travel, locations to be visited, number of days expected in coming year.
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Specify the exact type of activity and other details related to the potentially hazardous sport or activity in which you participate.
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Within the last 5 years, have you been convicted of either reckless driving or driving while under the influence, received 3 or more moving violations or had your license suspended or revoked?
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No Yes |
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Have you ever had any other criminal convictions, law enforcement infractions of any kind or been on parole or probation?
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No Yes |
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Family & Health questions that can affect your premium
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Have you ever been rated up or declined by any life insurance company?
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No Yes
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Have any of your parents or siblings (biological only), prior to age 60, been diagnosed with or died from:
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• Cardiovascular, heart or coronary artery disease,
or stroke? |
No Yes |
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• Cancer, other than basal or squamous cell skin
cancer? |
No
Yes |
| If you have
multiple family members to list, start with any
parent. |
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| Which
family member? |
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| What
was the type of cancer? |
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| Did
this family member pass away from the cancer? |
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| List
another familial cancer incidence? |
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| Second
Familial Cancer Incidence |
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| Which
family member? |
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| What
was the type of cancer? |
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| Did
this family member pass away from the cancer? |
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| List
another familial cancer incidence? |
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| Third
Familial Cancer Incidence |
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| Which
family member? |
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| What
was the type of cancer? |
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| Did
this family member pass away from the cancer? |
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| List
another familial cancer incidence? |
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| Fourth
Familial Cancer Incidence |
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| Which
family member? |
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| What
was the type of cancer? |
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| Did
this family member pass away from the cancer? |
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Excluding cosmetic surgery, has any doctor recommended any medical test or procedure that you have not yet completed?
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No
Yes |
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You've indicated that you have an outstanding medical test or
procedure that is not yet completed. We'll show you
quotes, but please click Yes to indicate your understanding that
those tests will have to be completed before you apply
for more than $30,000 of regular life insurance.
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Yes
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Except for the common cold or flu, in the last 10 years have you been diagnosed with, treated for or taken any prescription medication for any medical condition, including any dentist presciptions?
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No
Yes |
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