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Whole Life Insurance — These policies guarantee coverage up to a certain age usually age 95 or and provide cash value, which means that they can be liquidated for cash in the event the insurance is no longer needed. As an independent company, we can explore many carriers for our clients dependent on their needs. Homemakers need coverage for at least as long as their dependents children, invalids, etc. If the insurer is willing to accept your application, they will send you an offer. 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. The medical exam can be completed at your home or any other convenient location of your choice and typically minutes to complete. Whole Life Insurance — These policies guarantee coverage up to a certain age usually age 95 or and provide cash value, which means that they can be liquidated for cash in the event the insurance is no longer needed. Here are the steps a life insurance buyer typically undertakes to obtain life insurance:. Here are the steps a life insurance buyer typically undertakes to obtain life insurance: If the insurer is willing to accept your application, they will send you an offer. Life insurance can be used: 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.

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If the insurer is willing to accept your application, they will send you an offer. These policies carry minimal cash value and allow for flexible payments of any amount at any time up to certain government-stipulated maximums. The medical exam can be completed at your home or any other convenient location of your choice and typically minutes to complete. Life insurance can be used: We are registered to sell Securities in the following states: Buying life insurance typically takes weeks. Securities and investment advisory services offered through Signator Investors, Inc. How big of a death benefit do I need? Choosing the right life insurance policy Two questions present difficulty for most life insurance buyers: 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. There are four parts to a life insurance contract:

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