The life insurance quote checklist
Have this ready and the quote is faster and closer to real.
A life insurance quote is only as good as the information behind it. Guessing at your own details produces a number that moves once underwriting starts.
Gather the first list before you request anything, and use the second when the quotes come back.
What to have ready
- Date of birth, height, and weight
- Every medication you take, with dosages
- Conditions you've been diagnosed with, and roughly when
- Surgeries or hospitalisations, with approximate dates
- Your doctors' names and contact details
- Tobacco or nicotine use, including when you stopped
- Family medical history for parents and siblings
- Any hazardous hobbies or occupation details
What you'll need to decide
- The coverage amount you're aiming for
- The term length, or whether you want permanent coverage
- Who your beneficiaries will be, primary and contingent
- Whether you want a conversion option
- Any existing coverage this is adding to or replacing
Comparing the quotes
If any of these differ between two quotes, the price difference isn't a price difference.
- Face amount
- Term length
- Whether the premium is level for the full term
- The assumed health class — and whether it's assumed or confirmed
- Conversion privilege, and its deadline
- Riders included versus optional
- Underwriting type: fully underwritten, accelerated, or simplified issue
- Renewal terms after the level period
Answer accurately, not optimistically
Everything on this list is verifiable, and insurers verify a lot of it. More importantly, the application is the contract — an inaccuracy that gets a policy issued today can cost your family the claim during the contestability period.
If a question is ambiguous, say so and ask rather than choosing the reading that flatters you.
Want this priced for your situation?
This page is general information, not advice about your specific circumstances. A licensed insurance professional can tell you what’s actually available to you.
General information only, not insurance advice. Coverage, availability, and terms vary by insurer and by state, and are subject to underwriting. Quote My Policy LLC is a licensed insurance producer. Nothing here binds coverage.