Step 2 Determine Your Term Length
Count the remaining months on your mortgage and convert to years. Round up to the next available term length offered by your carrier options. If your mortgage has 27 years remaining, select a 30-year term. If it has 14 years remaining, select a 15- or 20-year term for a buffer. Never select a term shorter than your remaining mortgage obligation.
Step 3 Gather Your Application Information
Before requesting quotes, have the following ready: date of birth, gender, height and weight, state of residence, smoking status and history, any diagnosed health conditions and their treatment status, current medications and dosages, family history of major illness (heart disease, cancer, diabetes — first-degree relatives before age 60), and your mortgage balance and term. Accurate inputs produce accurate quotes.