Book Your Free Life Insurance Consultation

Your Date of Birth

Your age sets the starting point for pricing, so your date of birth and the state you live in are the first two things we need for a quote. That is all it takes to get real numbers.

One insider tip: many carriers price by your nearest birthday rather than your last one. If a birthday is coming up, mention it and we will check whether it changes anything.

Health Details

For a quote, the basics are enough: height, weight, whether you use tobacco and any conditions you are treated for. Being open here works in your favor. Every carrier looks at health a little differently, and knowing your situation lets us match you with the ones that see it best.

When you apply, have your doctors' names and phone numbers handy. The insurer does the legwork from there. With your OK they can pull records or arrange an exam, usually at your home and usually at no cost to you. You never have to chase down records yourself.

Current Medications

Have a list of what you take, the dosage and the reason you take it. The easiest way is to snap a photo of your prescription labels or pull up your pharmacy app before we talk.

This matters more than people expect. A medication tells the underwriter that a condition is being managed, which is usually a point in your favor, and knowing the dosage helps us pick the carrier that will rate it most kindly.

Beneficiary Details

Most applications keep this simple: the full name of each person you want to receive the benefit, their relationship to you and the percentage each one gets.

Larger policies sometimes ask for more, such as a Social Security number, or an address, phone number and possibly a driver's license number for each beneficiary. Do not go gathering all of that ahead of time. If the carrier needs it, we will tell you exactly what to pull together and supply it then.

For a policy review, bring your current policy or latest statement showing your coverage, premium, beneficiaries and any riders. This lets us compare what you have against what is available today.

Do not cancel existing coverage before replacement coverage is confirmed in force and you have reviewed its terms.

Identification

Your driver's license, state ID or passport. You will not need it for a quote. When you apply, the insurer asks for the ID number, issuing state and expiration date so they can confirm who you are. It is the same for every life insurance company and takes about thirty seconds to fill in.

Your Addresses

Your home address and, if it is different, where you want your mail sent. Some applications ask where you have lived over the past few years, so a quick note of past addresses can save you a pause mid-application.

Documents like a utility bill are rarely requested. If a carrier does want one, we will let you know exactly what to send.

Bank Information

This is the question we get most, so here is the plain answer. Life insurance premiums are paid by bank draft from a checking or savings account, so the application asks for your routing and account numbers, the same ones printed along the bottom of a check. Nearly every carrier asks for this at the application stage. It is simply how the policy gets paid.

Giving those numbers does not buy anything. Nothing is drafted without your authorization, and the application shows exactly when the first payment will be taken. Many people choose to have it drawn only after the policy is approved and delivered. We walk through that line with you before you sign.

Some carriers also accept a debit card or offer other payment schedules. Ask, and we will tell you what your carrier allows.