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The completed application is then sent to you for review and signature. However, this rule of thumb does not account for current assets or any special needs you and your family may have. Homemakers need coverage for at least as long as their dependents children, invalids, etc. 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. We are licensed to sell Insurance Products in the following states: Wage-earners need coverage for at least as long as they expect to be gainfully employed.

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