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Book of Ra Slot, Free Spins , Huge Win Most life insurance companies require a medical exam as part of the life insurance application process. How Much Do I Need? 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. Compare life insurance quotes from various insurers. However, this rule of thumb does not account for current assets or any special needs you and your family may have. If the insurer is willing to accept your application, they will send you an offer. The amount of yearly income needed The number of years this income will be needed The average annual percentage of interest your investments will earn Future college education expenses Anticipated funeral and burial expenses Retirement needs Special needs for children or other family member s The Application Process Buying life insurance typically takes weeks.

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