Advanced contact questionnaire
In testing — not accepting submissions
Share more detailed health and lifestyle information to give Richard the information he needs to seek more accurate life insurance quotes.
- What it needs
- When available: contact details and detailed health and lifestyle answers, with your permission.
- What it returns
- Information for Richard's personal review to help seek more accurate quotes; no automatic quote or carrier decision.
- Example
- Review the questionnaire's availability, or contact Richard using the standard form.
- How it works
- An optional, guided pre-underwriting questionnaire, also offered as an alternative on the Contact page.
- Where it stops
- Currently in testing and not collecting answers. Use the standard contact form for now. Final rates and approval depend on the insurer.
View advanced contact questionnaire →Practice Life Insurance Application
Prepare at your own pace with a practice worksheet before a formal carrier application.
- What it needs
- Health, lifestyle, travel, work and optional contact details. Do not enter government ID numbers.
- What it returns
- A saved draft on your device or a printable worksheet; you may choose to email your completed worksheet to Richard.
- Example
- Select a health condition to see the corresponding follow-up questions before your conversation with Richard.
- How it calculates
- Organizes common application questions with condition-specific follow-ups. Email requires both consent boxes and complete required answers.
- Where it stops
- Practice worksheet only; does not bind coverage or establish eligibility. Device drafts remain on this browser. Emailing sends the worksheet through email services.
Open the practice worksheet →Term Ladder Calculator
Estimate the coverage gap over 40 years and compare up to three policy layers you configure.
- What it needs
- Annual family support, years needed, mortgage and debt, childcare, college, assets, existing coverage, and proposed policy premiums.
- What it returns
- Remaining coverage need, worst shortfall, coverage steps, and annual premium roll-off.
- Example
- $50,000 of annual support for 12 years contributes $600,000 to the initial need, before debts, other goals, assets, and coverage.
- How it calculates
- Adds all remaining income and childcare years plus unpaid education costs and other liabilities at each modeled death date; subtracts assets and in-force coverage.
- Where it stops
- No inflation, investment discounting, automatic quotes, policy fees, or automatic comparison with a single policy. Include all fees in the premiums you enter.
Model my coverage gap →Product Navigator
Explore a product-family shortlist from goals, age, time horizon, and a monthly budget.
- What it needs
- Goal, monthly budget, time horizon, and age.
- What it returns
- Product categories, reasons, and cautions.
- Example
- An income-replacement goal over 20 years leads to a term-oriented shortlist; it does not establish a premium or sufficient coverage.
- How it calculates
- Uses structural rules for temporary versus ongoing needs and a fixed $300 monthly budget screening threshold for some permanent categories.
- Where it stops
- The threshold is a heuristic, not a quote. No coverage amount, health class, carrier pricing, or existing benefits are used to test affordability.
Explore product families →Health Class Estimator
Screen a specific carrier product and underwriting route with the source-based interview.
- What it needs
- Carrier, product, underwriting route, date of birth, dated readings and complete tobacco, medical, prescription, driving and family histories.
- What it returns
- A screen for your selected product and route, preliminary health class or benefit tier, review reasons and source editions. No carrier recommendations.
- Example
- Changing a tobacco answer can change a modeled class. Only the carrier can determine whether its tobacco definition applies.
- How it calculates
- Uses product-specific source-edition rules. Negative histories require explicit answers; missing or unresolved evidence withholds a final class.
- Where it stops
- Not independently validated for accuracy; no approval probability or carrier decision. Rules may change and records may reveal additional information.
Open the health class estimator →IBC Lab
Explore a simplified whole-life funding and policy-loan scenario with hypothetical assumptions.
- What it needs
- Issue age, death benefit, premium and PUA split, assumed interest/dividends, and loan settings.
- What it returns
- Modeled cash value, benefits, loans, and an approximate seven-pay threshold.
- Example
- Compare a zero-dividend scenario with your chosen assumption and examine how loans affect the modeled benefit.
- How it calculates
- Uses simplified mortality, reserve, load, dividend, and loan assumptions to build a yearly scenario.
- Where it stops
- Not a carrier illustration, tax determination, or guarantee. Dividends are hypothetical; the approximate seven-pay threshold cannot certify MEC status.
Open the whole-life sandbox →VGLI vs. Private Term Simulator
Open the separate veterans comparison website to compare a VGLI age-band schedule with a private-term premium assumption.
- What it needs
- Current age, coverage amount, private monthly premium assumption, health tier, and comparison horizon.
- What it returns
- Modeled monthly and cumulative costs and a cost intersection.
- Example
- Replace its private-premium assumption with your actual quote before comparing cost. Cost alone does not establish equivalent eligibility or benefits.
- How it calculates
- Compares the website’s VGLI schedule with a private premium assumption over the selected horizon.
- Where it stops
- This is the current destination of the former policy-audit link, not an in-force policy audit. Verify current VA rates and use an actual private quote; external privacy terms apply.
Open external VGLI comparison →Estimate the need before comparing products
Coverage gap = debts + remaining family support + childcare + education + final expenses − usable assets − existing in-force coverage. The result cannot fall below zero.
Worked example, using hypothetical values: $265,000 in debt and final expenses + $50,000 × 12 years of support + $60,000 for college − $100,000 existing coverage − $25,000 usable assets = $800,000 initial gap. The 12-year horizon is chosen for this example, not a universal rule. Exclude mortgage payments from support if the mortgage is already funded as a lump sum.
A practical workflow
- Model the gap and duration of each obligation in Term Ladder. Run a second scenario without employer benefits if they may end when you leave work.
- Use Product Navigator to explore temporary and ongoing needs. Its budget screen cannot prove affordability.
- Use Health Class Estimator to prepare underwriting questions. Request current carrier quotes rather than treating a class as approval.
- Compare matched quotes, guarantees, conversion rights, exclusions, fees, and benefit periods. Use IBC Lab only to explore whole-life assumptions; obtain a carrier illustration and tax review before funding.
Methodology and privacy
Method descriptions checked against the implemented models on October 7, 2026. This date does not certify current carrier guidelines or rates. Each card above states inputs, outputs, examples, and limits. For consumer guidance, consult TDI’s life insurance guide; the IRS explanation of the seven-pay test describes contract-specific requirements that IBC Lab only approximates.
Our calculations run in the browser. Some scenarios use browser storage or put inputs in the URL, so history and shared links can contain your details. Optional tool analytics exclude entered values and results. Contact drafts can contain selections you choose to share. The external VGLI website has separate data practices. Read our privacy policy before entering sensitive information.
Only a carrier can decide eligibility and issue coverage. Review its actual contract, quote, and illustration; a modeled result cannot replace them.