What You’ll Need for a Life Insurance Quote

Protect your privacy first

Never send your Social Security number, bank details, or medical details by text or email. You don’t need them for an initial quote. When it’s time to apply, Eric will collect sensitive information securely as part of the application.

Information for every product

Have these ready no matter which type of coverage you’re considering. Rough dates and amounts are fine for a first quote.

• Full legal name, date of birth, and gender
• State and ZIP code where you live
• Height and weight
• Tobacco or nicotine use of any kind (cigarettes, vaping, chew, pouches, cigars, gum or patches), and the date you last used it
• Health conditions and diagnoses, with approximate dates
• Current medications, doses, and what each one is for
• Recent doctor visits, tests, or hospital stays, and your doctors’ names and cities
• Family history: parents or siblings with heart disease or cancer before age 60
• Driving record: tickets, accidents, license suspensions, or DUIs in recent years
• Hazardous hobbies, such as skydiving, scuba diving, motor racing, or flying as a private pilot
• Planned foreign travel or time living abroad
• Occupation and job duties
• Annual income (to help size the coverage amount)
• Existing life insurance, including coverage through work
• Who you want as beneficiaries (primary and contingent)

Term life insurance

• Coverage amount you’re considering (our DIME method guide can help)
• Term length: 10, 15, 20, 25, or 30 years
• Whether you want a conversion option or riders, like waiver of premium

Whole life and indexed universal life (IUL)

• Monthly or annual budget you’re comfortable with for the long term
• Your goals: lifelong coverage, final expenses, legacy, cash value, or business needs
• Funding period: pay for life, pay to a certain age, or pay over a set number of years
• For IUL: whether you want premium flexibility and how often you’re willing to review the policy

IUL illustrations are hypothetical and not guaranteed. Ask to see the guaranteed values. Learn more in What Is Indexed Universal Life Insurance?.

Mortgage protection insurance

• Current mortgage balance
• Years remaining on the loan
• Monthly payment (principal and interest, plus escrow if you want it covered)
• Lender name and closing date (for recent purchases)
• Whether you’d prefer level or decreasing coverage, and whether you want living benefits riders

Final expense insurance

• Desired coverage amount (our final expense worksheet can help)
• Monthly budget
• Any existing burial or preneed arrangements, cemetery plots, or burial policies
• Beneficiary who will handle arrangements

Why insurers ask these questions

Your age, health, tobacco use, and lifestyle help the insurer decide on a health class, which largely sets your price. Honest, complete answers help avoid surprises later. See how life insurance underwriting works and how health and tobacco affect rates.

Want a sense of what coverage costs first? See published sample premiums in Term vs. Whole Life Insurance: Side-by-Side Comparison and Sample Premiums by Age.

Helpful guides

• Life insurance needs checklist
• All free insurance checklists
• Life insurance in Middle Tennessee
• Term vs. whole life insurance
• Mortgage protection insurance
• Final expense insurance
• 10 vs. 20 vs. 30-year term life