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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. 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. Life insurance can be used: 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. Because each insurance company has a process they use to determine if, and at what health rating they are willing to offer coverage to an applicant. We are registered to sell Securities in the following states: Draw the Line I. Until you do so, there is never an obligation to buy. Generally, the younger you are, the more insurance you need to replace a loss of lifetime income for your beneficiary. Wage-earners need coverage for at least as long as they expect to be gainfully employed.

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