Answer a few questions and get a personalized recommendation — no obligation, no sales pitch.
Question 1 of 10
Question 1 of 10
What is your primary reason for wanting life insurance?
Pick the one that fits best.
Cover funeral and burial costs
I do not want my family stuck with end-of-life expenses
Replace my income if I die
Protect my family's financial future while I am working
Build wealth and leave a legacy
I want coverage that also grows tax-free cash value
Pay off the mortgage or debts
Make sure my family keeps the house if I am gone
Question 2 of 10
What are you most trying to protect or accomplish?
Select all that apply.
Funeral and burial costs
Mortgage payoff
Income replacement
College for my kids
Leave money behind for family
Business protection
Question 3 of 10
How much coverage are you thinking about?
Drag the slider to your approximate target. Not sure? We can help you figure that out.
$250,000
Term life or IUL range — income replacement and mortgage protection
$5,000$500K$2,000,000
Question 4 of 10
How old are you?
Under 45
Younger age means lower premiums and more time to build cash value
45 to 59
Still strong options across all types
60 to 69
Term still available; Final Expense becomes more relevant
70 or older
Final Expense is typically the most accessible option
Question 5 of 10
Do you have dependents relying on your income?
Yes — spouse and/or children depend on me
My income is essential to my family's lifestyle
Somewhat — a spouse but we are both working
No — I am mostly on my own
Question 6 of 10
How would you describe your health?
Good to excellent
No major conditions, few or no medications
Fair — some conditions but managed
Diabetes, high blood pressure, or similar
Poor or complicated history
I have been declined before or have serious conditions
Question 7 of 10
How long do you need coverage?
A specific period — 10, 20, or 30 years
While the kids are young or the mortgage is outstanding
My entire life — permanent coverage
I want it there no matter when I pass
Permanent, with cash value I can access
I want coverage that also works as a financial asset
Question 8 of 10
What is your monthly budget for life insurance?
Under $50 per month
I need something affordable and straightforward
$50 to $150 per month
Room for solid coverage without stretching the budget
$150 or more per month
I am willing to invest more for permanent or wealth-building coverage
Question 9 of 10
Do you have children or grandchildren you would like to protect?
Juvenile policies lock in low rates for life and build cash value from an early age.
Yes — I would love to cover them too
Locking in their rates now while they are young and healthy
Yes, but I am focused on my own coverage first
No — just looking for myself
Question 10 of 10
What best describes your financial situation?
Fixed income — every dollar counts
I need to keep monthly costs as low as possible
Comfortable — I can handle a reasonable premium
I prioritize peace of mind over monthly cost
Predictability and long-term value matter more than the premium
One last step — where should I send your results?
Thomas will personally review your answers and reach out with the best options for your situation. Free, no pressure.
Got it — Thomas will be in touch.
In the meantime, here is your recommendation.
Your Result
You may be a good fit for Final Expense Life Insurance
Based on your answers, Final Expense whole life insurance aligns well with your situation. It is affordable, permanent, requires no medical exam, and guarantees your family will not be left with end-of-life costs.
Why this fits you
No medical exam required — simplified or guaranteed issue options available
Permanent whole life coverage — it never expires
Affordable premiums, often $30 to $80 per month depending on age and coverage
Pays out to cover funeral costs, medical bills, and leaves something behind for family
This is a general recommendation based on your answers — not a quote or guarantee of coverage. Thomas will compare real options across multiple carriers at no cost to you.
Let Thomas Find the Right Plan for You
He will compare Final Expense plans across multiple carriers — at no cost, no pressure.
Based on your answers, Term Life insurance aligns well with your situation. It provides maximum coverage at the lowest cost — ideal for income replacement, mortgage protection, and family security during your working years.
Why this fits you
Highest death benefit for the lowest monthly premium
10, 20, or 30-year terms to match your specific needs
Protects your family's income, mortgage, and lifestyle
Convertible options available on many policies
This is a general recommendation based on your answers — not a quote or guarantee of coverage. Term life rates and eligibility vary by age, health, and carrier. Thomas will compare real options at no cost to you.
Let Thomas Find the Right Plan for You
He will compare Term Life options across multiple carriers — at no cost, no pressure.
Based on your answers, an IUL policy aligns well with your goals. IUL offers permanent coverage while building tax-advantaged cash value tied to market index performance — without the downside risk.
Why this fits you
Permanent life insurance that never expires
Cash value grows tax-deferred, linked to a market index with a floor — you do not lose value in down years
Tax-free loans and withdrawals in retirement
Can cover children and grandchildren at locked-in juvenile rates
This is a general recommendation based on your answers — not a quote or guarantee of coverage. IUL policies are complex and vary significantly by carrier and design. Thomas will walk you through real illustrations at no cost to you.
Let Thomas Build Your Strategy
He will walk you through IUL options and run real illustrations — at no cost, no pressure.
It is close — and that is exactly why you need Thomas
Your answers suggest more than one type of life insurance could work for you. The right choice depends on details a quiz cannot fully capture.
What to talk through with Thomas
Your exact health history and what you would qualify for
Whether permanent or term coverage fits your timeline
How much coverage your family actually needs
Whether building cash value makes sense for your situation
This is a general recommendation based on your answers — not a quote or guarantee of coverage. The best way to get a clear answer is a free 15-minute conversation with Thomas.
Let Thomas Figure This Out With You
A free 15-minute call gives you a clear answer — no obligation, no pressure.
This quiz provides general educational information only and does not constitute insurance advice, a quote, or a guarantee of coverage. Coverage availability and costs vary by carrier, age, and health history. Thomas Crowhurst Insurance is an independent broker — not affiliated with any government agency. A licensed insurance agent may contact you.