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Compare life insurance quotes from various insurers. 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. 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. How big of a death benefit do I need? Term Life Insurance — Provides coverage for a fixed duration of time e. 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.

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