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Book of Ra 6 Mega Win Explorer Guy If the insurer is willing to accept your application, they will send you an offer. 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. For most applications, the insurer requires several weeks to collect and evaluate data from your physician and perhaps other sources of information. How long do I need coverage? 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. Homemakers need coverage for at least as long as their dependents children, invalids, etc. As an independent company, we can explore many carriers for our clients dependent on their needs.

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