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The medical exam can be completed at your home or any other convenient location of your choice and typically minutes to complete. 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. 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. Wage-earners need coverage for at least as long as they expect to be gainfully employed. 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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