Free Life Insurance Eligibility Check

Step 1 · Goal

What's your main reason for looking into life insurance today?

This helps us focus the recommendation on what matters most to you.

Income replacement for my family Pay off the mortgage Provide for my children's future Cover final expenses All / multiple of these

Step 2 · You

How old are you?

Age is one of the biggest factors in life insurance pricing.

Age

Step 3 · Income

What's your approximate annual household income?

Used to estimate how much your family would need to replace.

Under $50,000 $50,000 – $75,000 $75,000 – $100,000 $100,000 – $150,000 $150,000 – $250,000 $250,000+

Step 4 · Home

Do you own your home?

If you have a mortgage, we'll factor it into your coverage estimate.

Yes — with a mortgage Yes — paid off / no mortgage No — I rent

Step 5 · Debt

Outside of your mortgage, roughly how much other debt do you have?

Auto loans, student loans, credit cards — anything your family would inherit.

None / minimal Under $25,000 $25,000 – $75,000 $75,000 – $150,000 $150,000+

Step 6 · Family

How many people depend on your income?

Spouse, children, anyone else who'd be financially affected.

Step 7 · Existing Coverage

How much life insurance do you already have?

We'll subtract this from your total need to figure out what you still need.

Through your employer (group life)

None Less than $100,000 $100,000 – $250,000 $250,000 – $500,000 $500,000+ Not sure

Individual policies you own

None Less than $100,000 $100,000 – $250,000 $250,000 – $500,000 $500,000+

Step 8 · Preference

What type of coverage are you most interested in?

No wrong answer — many families end up with a mix.

Term life — lower cost, set duration Permanent life — lifetime coverage, builds cash value A mix of both Not sure — I'd like to discuss

Step 9 · Health

Do you currently use tobacco or nicotine?

Cigarettes, vapes, chew, or nicotine pouches all count.

No, never Quit 5+ years ago Quit less than 5 years ago Yes, currently

Step 10 · Health

A few quick health details

Used to estimate your underwriting class. Not a medical exam.

Height (ft)

Height (in)

Weight (lbs)

Have you been diagnosed with any of the following? (check all that apply)

Step 11 · Medications

How many prescription medications do you take regularly?

Routine daily medications and any specialty or injectable treatments.

None 1 – 2 routine medications 3 or more, or specialty / injectable

Step 12 · Contact

Where should we send your results?

Russell will personally review and reach out at your preferred time.

First name

Last name

Phone

Email

Best time to call

Morning (8am – 12pm) Afternoon (12pm – 5pm) Evening (5pm – 8pm) Anytime

By checking this box and submitting, I authorize Oak Harbor Finance and Russell Powers to contact me at the phone number and email provided regarding life insurance options. Standard message and data rates may apply. Consent is not a condition of purchase.

Suggested Additional Coverage

How we got there

This estimate uses the standard "DIME" needs analysis — debt, income replacement, mortgage, and education — minus what you already have in place.

Your indicated underwriting class

Next Step: A Free 15-Minute Call

Russell will walk you through quotes from 15+ A-rated carriers based on your situation — no pressure, no commitment.

Book a Call →
Or call directly: (417) 844-3980 →

Important: This is a preliminary indicator only. It is not an insurance application, a guarantee of coverage, a binding offer, or an approval. Final eligibility, coverage amounts, premiums, and underwriting class are determined solely by the insurance carrier during their underwriting process.

Russell Powers · Licensed Insurance Producer · State of Missouri · License #3003556164

See What You'd Qualify for & How Much You Need