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Are you looking to buy life insurance? Getting free life insurance quotes online is fast becoming the way to go. Here is how you do it.

The wise way to go is to first determine how much life insurance you need...what amount best fits your situation. You do that by using an online life insurance needs calculator. This tool gives you a pretty accurate number.

The next thing you do is to get a few free life insurance quotes. If you are buying term life insurance you are looking for the lowest premium you can find. You don't really need to be too concerned about the company as regulations in the United States protect the consumer.

How do you find the low premium? You compare rates. You will find some very large carriers online which will give you quotes. The important thing here is to determine which category you fall in. There are different premium rates which depend on your state of health. Consideration is also given to your weight in relation to your height.

The categories go something like this:

• Preferred Plus

  The applicant is usually required to be tobacco free for at least 5 years. There should be no history of DUI or Reckless Driving, no suspension or revocation of drivers license within the past 5 years and no more than one moving violation within the past 3 years.

  Also to qualify in this category there should be no history in your immediate family of death from heart disease, cardiovascular disease or cancer prior to age 60...refers to your parents.

  There should be no history of a health impairment or involvement in a hazardous occupation.

• Preferred

  The applicant should be tobacco free for 1-3 years. There should be no DUI, reckless driving, revocation or suspension of drivers license within the past 5 years. There should be no more than 2 moving violations in the past 3 years.

  There should be no death from heart, cardiovascular disease or cancer prior to age 60 for the applicants parents or siblings.

  The applicant should have had no history of ratable health impairment or occupational hazards.

• Standard Plus

  The applicant is required, in this category, to be tobacco free for 1-2 years. The family history and personal history is the same as the above categories.

• Standard

  The applicant must be tobacco free for at least one year. There should be no DUI, reckless driving, revocation or suspension of drivers license within the past 2 years. There should be no more than 3 moving violations in the past 3 years.

In some cases you can apply for your policy online, otherwise a licensed agent will contact you and tell you what is required.

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