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The first step is to determine what type of policy you need and, most importantly, how much coverage to get. If you want lifetime coverage, a whole life insurance policy is best. If you just want coverage until a certain point in life, term life insurance may suffice. There are also policies (like variable life insurance and universal life insurance) that allow you to withdraw cash or borrow against your policy's cash value.
Once you choose which insurance provider you'd like to go with, you'll need to fill out their full application. For this, you'll need to provide some basic personal details and, typically, complete a medical questionnaire. Depending on your policy and insurer, you may also need to have a quick phone interview or submit an Attending Physician Statement.
A lot of life insurance policies will require a medical exam. This helps the insurer assess your risk factors and set your premiums. If you're healthy, the exam could make life insurance coverage more affordable. If you're not, on the other hand, it may mean higher costs.
If you're not comfortable buying your life insurance policy fully online, you can work directly with an independent insurance agent or broker instead. They can help you shop for insurers and policies and ensure you get the best one for your needs.
Life insurance policies generally fall into three categories: term, permanent, and final expense. Once you understand the difference, you can easily determine which is right for your beneficiaries' needs and your budget.
More than half of Americans overestimate the cost of life insurance by 3 times, according to LIMRA's Facts About Life 2021. And nearly 42% say their household would face financial hardship within six months if a wage earner died unexpectedly. Life insurance can be an affordable way to protect your loved ones from debilitating financial stress.
Some experts recommend carrying life insurance with a death benefit that's 7 to 10 times your annual income, but that doesn't take into account your unique financial situation. Use our life insurance calculator to get more precise with how much life insurance you need.
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