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Here are the steps a life insurance buyer typically undertakes to obtain life insurance: Here are the steps a life insurance buyer typically undertakes to obtain life insurance:. Securities and investment advisory services offered through Signator Investors, Inc. The amount of yearly income needed The number of years this income will be needed The average annual percentage of interest your investments will earn Future college education expenses Anticipated funeral and burial expenses Retirement needs Special needs for children or other family member s The Application Process Buying life insurance typically takes weeks. Additionally, your age and income have a direct bearing on your life insurance needs. Most life insurance companies require a medical exam as part of the life insurance application process. Wage-earners need coverage for at least as long as they expect to be gainfully employed.

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