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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 - 90 Years) |
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| Gender |
Male
Female
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Any tobacco, nicotine, marijuana,
vape or tobacco substitute 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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In the last 5 years have you had any overdue loans, bankruptcy, judgements, tax liens, collections or debt repayment plans established?
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No
Yes |
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Have you had a bankruptcy discharged or established a bankruptcy repayment plan in the last 12 months?
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No
Yes |
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Do you now (or have you in the last year) worked at a paying job (employed or self-employed) 20 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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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 a professional license revoked, had a criminal
convictions or law enforcement infraction of any kind or been
on parole or probation?
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No Yes |
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Telephone (630) 515-0170. Founded 1984.
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