Coverage Amount:
Your life insurance needs directly depend upon your age and income. Generally, lower your age is, the more insurance you will need to replace a loss of lifetime income for your beneficiary.

Different life insurance coverage limits apply for estate tax planning and business life insurance coverage, than for personal life insurance.

Non-working Spouse Coverage: $35,000 is used as the income value by insurance companies for a non-working spouse. Insurance coverage on a non-working spouse cannot normally exceed 50% of the coverage on the working spouse.

Date of Birth:
Your complete date of birth in Month/Day/Year format.

Cost of the life insurance generally increases with age. There are minimum and maximum age limits for every life insurance product. Some companies use the actual age in the fully completed years while other companies user the "nearest age". Nearest age affects you only if you are within 6 months of your next birthday. This web site will appropriately calculate both your nearest and actual age and quote appropriately for each product.

Health:
The class that best describes your health. Premium for the same person will be different based on several factors such as smoking, blood pressure, cholesterol, physical measurements (height, weight), family history, personal history, alcohol/drug, driving record, occupation, avocation, aviation, travel, residence etc.

Different life insurance companies have different criteria for various health classes. And they give different names to the different health classes.

If you are not sure which health class you belong to, choose any class and you would be able to refine the quotes in the subsequent steps. However, it is not possible to determine the health class 100% accurately on this web site. The best estimation can be performed with the quote request sent to us. Even those quotes will be best estimation on the information you provide us and final rate determination can only be done after you apply, and the insurance company performs medical check up and blood test and collects all necessary medical records.

Gender:
Life insurance rates may be different for males and females in some states while they may be same in other states. This web site will provide you the appropriate life insurance products and rates depending upon your state and gender.

Payment Frequency:
Most life insurance companies allow you to make annual, semi-annual, quarterly or monthly payments of premiums. Of course, overall premiums are lowest for annual payments and most expensive for monthly payments.

Monthly payment option is usually provided only with automatic debit from the checking account with your bank.

Smoker:
If you have smoked cigarettes within the last 12 months, you are considered a smoker for life insurance purposes. To qualify for some non-smoker classes, you may smoke cigars, pipe or chew tobacco.

In order to get the best possible rates, you must have no tobacco or nicotine use within the last 5 years.

State of Residence:
State where you live and normally receive mail.

All life insurance companies must get their products approved in a particular state before they are allowed to sell in that state. In order to get approved in some states, there may be small variations to the product that can affect the cost.

The state where you apply for life insurance can affect the availability and cost of the available products. This web site will display life insurance only for the products approved in the your state.

US domestic life insurance products are not available outside the United States.

Term Duration:
It is also referred to as length of coverage or guaranteed term.

Insurance premiums are guaranteed by the insurance company to remain the same through the duration of the term of insurance. If you decide to continue the insurance beyond the original duration, insurance premiums will increase substantially every year.

Even though insurance company is obligated to offer you the same rate and cover you through the duration of the term, you may cancel the policy at any time before the guarantee period is over.