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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. There are four parts to a life insurance contract: Exams are conducted by a licensed paramedical or medical doctor and generally require a blood and urine specimen, blood pressure readings, height and weight measurement, and a series of questions regarding your medical history. We are registered to sell Securities in the following states: Here are the steps a life insurance buyer typically undertakes to obtain life insurance:. The completed application is then sent to you for review and signature. Wage-earners need coverage for at least as long as they expect to be gainfully employed.

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How big of a death benefit do I need? Life insurance can be divided into three basic categories: The medical exam can be completed at your home or any other convenient location of your choice and typically minutes to complete. Term Life Insurance — Provides coverage for a fixed duration of time e. Until you do so, there is never an obligation to buy.

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