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  Medical Exam: life insurance medical exam info
  State:    Life insurance rates are higher in some states. Click here for more information on how your state of residence affects your policy. NOTE: Currently, Insurance Services ARE NOT available in Hawaii.
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  Gender:   Generally, premiums are higher for men. Some insurers offer a discount if both spouses apply. Click here for more information about differences in rates for males and females.
  Tobacco:    Your use of cigarettes and other tobacco/nicotine products may also affect your rate class and your policy premium. Each company's guidelines are different regarding tobacco and nicotine use.  We will work with you to find the insurance company with the most competitive rates for your situation.
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  Amount:    AnalyzeGenerally, you should choose an amount which, when invested, will cover your beneficiary's needs for the balance of their life time. Click here to access our life insurance calculator to determine how much coverage you need.
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