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The general rule is 10-15 times your annual income, but your specific needs depend on your debts, dependents, and financial goals. I'll help you calculate the exact amount based on your mortgage, children's education costs, and your family's lifestyle needs.

Yes! Many insurers now offer simplified issue and guaranteed acceptance policies. Depending on your age, health, and coverage amount, you might qualify for instant approval with just a few health questions.

It depends on your goals. Term life is ideal for temporary needs (like protecting a mortgage or young children) and costs less. Whole life provides permanent protection with cash value, perfect for estate planning and lifetime coverage needs.

HMO plans typically cost less but require you to choose a primary care physician and get referrals for specialists. PPO plans offer more flexibility to see any doctor and don't require referrals, but usually have higher premiums and deductibles.

Your deductible is what you pay before insurance kicks in. Your out-of-pocket maximum is the most you'll pay in a year for covered services. Once you reach that limit, your insurance pays 100% of covered costs for the rest of the year.