What's the Right Insurance Coverage for You?
This insurance coverage quiz analyzes your personal profile, assets, employment situation, and health status to recommend the right insurance mix for your needs. Whether you're wondering about life insurance, health coverage, disability protection, or business insurance, this assessment provides personalized recommendations with typical costs and coverage levels. Perfect for anyone reviewing their insurance needs or planning for major life changes.
Try the Quiz
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export function insuranceCoverageQuiz(form: FormTs) {
form.setTitle(() => '🛡️ What Insurance Coverage Do You Need?');
// ============ SCORING SYSTEM ============
const recommendations = form.state<Record<string, number>>({});
const updateRecommendation = (type: string, score: number) => {
recommendations.update(current => ({ ...current, [type]: (current[type] || 0) + score }));
};
type InsuranceType = 'life' | 'health' | 'disability' | 'property' | 'auto' | 'umbrella' | 'business';
const getTopRecommendations = (): InsuranceType[] => {
const r = recommendations();
const sorted = Object.entries(r)
.sort((a, b) => b[1] - a[1])
.slice(0, 3)
.map(([key]) => key as InsuranceType);
return sorted.length > 0 ? sorted : ['health', 'auto', 'life'];
};
const getInsuranceInfo = (type: InsuranceType) => {
const info = {
life: {
label: '💚 Life Insurance',
description: 'Protects your family\'s financial future if something happens to you. Essential if you have dependents or debt.',
priority: 'Critical if you have dependents',
coverage: 'Typically 10-12x annual income',
cost: '$20-50/month for term life'
},
health: {
label: '🏥 Health Insurance',
description: 'Covers medical expenses, doctor visits, prescriptions, and hospital stays. Required by many employers.',
priority: 'Essential for everyone',
coverage: 'Varies by plan type (HMO, PPO, HDHP)',
cost: '$200-600/month individual'
},
disability: {
label: '♿ Disability Insurance',
description: 'Replaces income if you become unable to work due to illness or injury. Often overlooked but crucial.',
priority: 'High if income-dependent',
coverage: '60-70% of income replacement',
cost: '1-3% of annual salary'
},
property: {
label: '🏠 Home/Renters Insurance',
description: 'Protects your home, belongings, and provides liability coverage. Required by mortgage lenders.',
priority: 'Essential for property owners/renters',
coverage: 'Full replacement cost',
cost: '$100-300/month homeowners'
},
auto: {
label: '🚗 Auto Insurance',
description: 'Covers vehicle damage, injuries, and liability from accidents. Required by law in most states.',
priority: 'Required if you own a vehicle',
coverage: 'Liability + Collision + Comprehensive',
cost: '$100-200/month'
},
umbrella: {
label: '☂️ Umbrella Insurance',
description: 'Extra liability protection beyond other policies. Important for high net worth or high-risk situations.',
priority: 'Recommended for high assets',
coverage: '$1-5 million additional liability',
cost: '$150-300/year'
},
business: {
label: '💼 Business Insurance',
description: 'Protects your business from liability, property damage, and employee claims. Essential for entrepreneurs.',
priority: 'Required for business owners',
coverage: 'General liability + E&O + Workers comp',
cost: 'Varies by business type'
}
};
return info[type];
};
// ============ COMPLETION SCREEN ============
form.configureCompletionScreen({
type: 'text',
title: () => 'Your Insurance Recommendations',
message: () => {
const top = getTopRecommendations();
return `Based on your profile, we recommend: ${top.map(t => getInsuranceInfo(t).label).join(', ')}. Download your personalized insurance guide for detailed coverage recommendations.`;
}
});
// ============ PAGES SETUP ============
const pages = form.addPages('quiz-pages', { heightMode: 'current-page' });
// ============ PAGE 1: Personal Profile ============
const page1 = pages.addPage('personal-profile', { mobileBreakpoint: 500 });
page1.addRow(row => {
row.addTextPanel('header1', {
label: 'Step 1 of 5: Personal Profile',
computedValue: () => 'Tell us about yourself to get personalized recommendations',
customStyles: { fontSize: '0.9rem', color: '#6b7280', marginBottom: '1rem' }
});
});
page1.addSpacer({ height: '24px' });
page1.addRow(row => {
row.addDropdown('age', {
label: 'Age Range',
isRequired: true,
options: [
{ id: '18-25', name: '18-25 years' },
{ id: '26-35', name: '26-35 years' },
{ id: '36-45', name: '36-45 years' },
{ id: '46-55', name: '46-55 years' },
{ id: '56-65', name: '56-65 years' },
{ id: '65+', name: '65+ years' }
],
placeholder: 'Select age range',
onValueChange: (val) => {
if (val === '18-25') { updateRecommendation('health', 3); updateRecommendation('auto', 3); }
if (val === '26-35') { updateRecommendation('life', 3); updateRecommendation('disability', 2); }
if (val === '36-45') { updateRecommendation('life', 4); updateRecommendation('disability', 3); }
if (val === '46-55') { updateRecommendation('health', 3); updateRecommendation('life', 3); }
if (val === '56-65') { updateRecommendation('health', 4); updateRecommendation('life', 2); }
if (val === '65+') { updateRecommendation('health', 5); }
}
}, '1fr');
row.addDropdown('maritalStatus', {
label: 'Marital Status',
isRequired: true,
options: [
{ id: 'single', name: 'Single' },
{ id: 'married', name: 'Married' },
{ id: 'divorced', name: 'Divorced' },
{ id: 'widowed', name: 'Widowed' }
],
placeholder: 'Select status',
onValueChange: (val) => {
if (val === 'married') { updateRecommendation('life', 3); updateRecommendation('health', 2); }
}
}, '1fr');
});
page1.addRow(row => {
row.addRadioButton('dependents', {
label: 'Do you have dependents (children, elderly parents)?',
isRequired: true,
orientation: 'horizontal',
options: [
{ id: 'yes', name: 'Yes' },
{ id: 'no', name: 'No' }
],
onValueChange: (val) => {
if (val === 'yes') {
updateRecommendation('life', 5);
updateRecommendation('health', 3);
updateRecommendation('disability', 3);
}
}
});
});
page1.addRow(row => {
row.addDropdown('income', {
label: 'Annual Household Income',
isRequired: true,
options: [
{ id: 'under-50k', name: 'Under $50,000' },
{ id: '50k-100k', name: '$50,000 - $100,000' },
{ id: '100k-200k', name: '$100,000 - $200,000' },
{ id: '200k-500k', name: '$200,000 - $500,000' },
{ id: 'over-500k', name: 'Over $500,000' }
],
placeholder: 'Select income range',
onValueChange: (val) => {
if (val === '100k-200k') { updateRecommendation('umbrella', 2); }
if (val === '200k-500k') { updateRecommendation('umbrella', 4); updateRecommendation('disability', 3); }
if (val === 'over-500k') { updateRecommendation('umbrella', 5); updateRecommendation('disability', 4); }
}
}, '1fr');
row.addDropdown('netWorth', {
label: 'Approximate Net Worth',
options: [
{ id: 'under-100k', name: 'Under $100,000' },
{ id: '100k-500k', name: '$100,000 - $500,000' },
{ id: '500k-1m', name: '$500,000 - $1 million' },
{ id: 'over-1m', name: 'Over $1 million' }
],
placeholder: 'Select net worth',
onValueChange: (val) => {
if (val === '500k-1m') { updateRecommendation('umbrella', 3); }
if (val === 'over-1m') { updateRecommendation('umbrella', 5); }
}
}, '1fr');
});
// ============ PAGE 2: Assets & Property ============
const page2 = pages.addPage('assets', { mobileBreakpoint: 500 });
page2.addRow(row => {
row.addTextPanel('header2', {
label: 'Step 2 of 5: Assets & Property',
computedValue: () => 'What assets do you need to protect?',
customStyles: { fontSize: '0.9rem', color: '#6b7280', marginBottom: '1rem' }
});
});
page2.addSpacer({ height: '24px' });
page2.addRow(row => {
row.addRadioButton('homeOwnership', {
label: 'Housing Situation',
isRequired: true,
orientation: 'vertical',
options: [
{ id: 'own-mortgage', name: '🏠 Own home with mortgage' },
{ id: 'own-outright', name: '🏡 Own home outright' },
{ id: 'rent', name: '🏢 Rent' },
{ id: 'other', name: '👥 Live with family/other' }
],
onValueChange: (val) => {
if (val === 'own-mortgage' || val === 'own-outright') {
updateRecommendation('property', 5);
updateRecommendation('umbrella', 2);
}
if (val === 'rent') { updateRecommendation('property', 3); }
}
});
});
page2.addRow(row => {
row.addSuggestionChips('vehicles', {
label: 'What vehicles do you own?',
suggestions: [
{ id: 'car', name: '🚗 Car' },
{ id: 'multiple-cars', name: '🚙 Multiple Cars' },
{ id: 'motorcycle', name: '🏍️ Motorcycle' },
{ id: 'boat', name: '⛵ Boat' },
{ id: 'rv', name: '🚐 RV/Camper' },
{ id: 'none', name: '❌ None' }
],
onValueChange: (val) => {
if (!val) return;
for (const v of val) {
if (v === 'car') updateRecommendation('auto', 4);
if (v === 'multiple-cars') { updateRecommendation('auto', 5); updateRecommendation('umbrella', 2); }
if (v === 'motorcycle') { updateRecommendation('auto', 4); updateRecommendation('umbrella', 2); }
if (v === 'boat') updateRecommendation('umbrella', 3);
if (v === 'rv') updateRecommendation('auto', 3);
}
}
});
});
page2.addRow(row => {
row.addSlider('valuables', {
label: 'Value of jewelry, art, collectibles ($)',
min: 0,
max: 100000,
step: 5000,
defaultValue: 0,
showValue: true,
onValueChange: (val) => {
if ((val || 0) > 10000) updateRecommendation('property', 2);
if ((val || 0) > 50000) { updateRecommendation('property', 3); updateRecommendation('umbrella', 2); }
}
});
});
// ============ PAGE 3: Employment & Business ============
const page3 = pages.addPage('employment', { mobileBreakpoint: 500 });
page3.addRow(row => {
row.addTextPanel('header3', {
label: 'Step 3 of 5: Employment & Business',
computedValue: () => 'Tell us about your work situation',
customStyles: { fontSize: '0.9rem', color: '#6b7280', marginBottom: '1rem' }
});
});
page3.addSpacer({ height: '24px' });
page3.addRow(row => {
row.addRadioButton('employment', {
label: 'Employment Status',
isRequired: true,
orientation: 'vertical',
options: [
{ id: 'employed', name: '💼 Employed full-time' },
{ id: 'self-employed', name: '🏢 Self-employed / Freelancer' },
{ id: 'business-owner', name: '🚀 Business owner with employees' },
{ id: 'part-time', name: '⏰ Part-time / Contract' },
{ id: 'retired', name: '🌴 Retired' },
{ id: 'student', name: '🎓 Student' }
],
onValueChange: (val) => {
if (val === 'employed') {
updateRecommendation('disability', 4);
updateRecommendation('life', 2);
}
if (val === 'self-employed') {
updateRecommendation('disability', 5);
updateRecommendation('health', 4);
updateRecommendation('business', 3);
}
if (val === 'business-owner') {
updateRecommendation('business', 5);
updateRecommendation('umbrella', 3);
updateRecommendation('disability', 4);
}
if (val === 'retired') {
updateRecommendation('health', 5);
}
}
});
});
// Conditional business questions
const businessSection = page3.addSubform('businessSection', {
title: '💼 Business Details',
isVisible: () => {
const emp = page3.radioButton('employment')?.value();
return emp === 'self-employed' || emp === 'business-owner';
},
isCollapsible: false,
customStyles: { marginTop: '1rem', padding: '15px', background: '#f0fdf4', borderRadius: '8px' }
});
businessSection.addRow(row => {
row.addDropdown('businessType', {
label: 'Type of Business',
options: [
{ id: 'consulting', name: 'Consulting/Professional Services' },
{ id: 'retail', name: 'Retail/E-commerce' },
{ id: 'restaurant', name: 'Restaurant/Food Service' },
{ id: 'construction', name: 'Construction/Trades' },
{ id: 'healthcare', name: 'Healthcare/Medical' },
{ id: 'tech', name: 'Technology/Software' },
{ id: 'other', name: 'Other' }
],
placeholder: 'Select business type',
onValueChange: (val) => {
if (val === 'construction') updateRecommendation('business', 3);
if (val === 'healthcare') { updateRecommendation('business', 4); updateRecommendation('umbrella', 2); }
}
}, '1fr');
row.addDropdown('employees', {
label: 'Number of Employees',
options: [
{ id: 'solo', name: 'Just me' },
{ id: '1-5', name: '1-5 employees' },
{ id: '6-20', name: '6-20 employees' },
{ id: '20+', name: '20+ employees' }
],
placeholder: 'Select size',
onValueChange: (val) => {
if (val !== 'solo') { updateRecommendation('business', 4); }
}
}, '1fr');
});
page3.addRow(row => {
row.addRadioButton('hasEmployerInsurance', {
label: 'Does your employer provide health insurance?',
orientation: 'horizontal',
options: [
{ id: 'yes', name: 'Yes' },
{ id: 'no', name: 'No' },
{ id: 'na', name: 'N/A' }
],
onValueChange: (val) => {
if (val === 'no') updateRecommendation('health', 4);
}
});
});
// ============ PAGE 4: Health & Lifestyle ============
const page4 = pages.addPage('health', { mobileBreakpoint: 500 });
page4.addRow(row => {
row.addTextPanel('header4', {
label: 'Step 4 of 5: Health & Lifestyle',
computedValue: () => 'A few questions about your health situation',
customStyles: { fontSize: '0.9rem', color: '#6b7280', marginBottom: '1rem' }
});
});
page4.addSpacer({ height: '24px' });
page4.addRow(row => {
row.addRatingScale('healthStatus', {
label: 'How would you rate your current health?',
isRequired: true,
preset: 'custom',
min: 1,
max: 5,
lowLabel: 'Poor',
highLabel: 'Excellent',
size: 'md',
variant: 'segmented',
onValueChange: (val) => {
if (val == null) return;
if (val <= 2) { updateRecommendation('health', 4); updateRecommendation('disability', 3); }
if (val >= 4) { updateRecommendation('life', 2); } // Good time to lock in rates
}
});
});
page4.addRow(row => {
row.addCheckboxList('healthConcerns', {
label: 'Any specific health concerns?',
orientation: 'horizontal',
options: [
{ id: 'chronic', name: 'Chronic condition' },
{ id: 'surgery', name: 'Recent surgery' },
{ id: 'medications', name: 'Regular medications' },
{ id: 'family-history', name: 'Family health history' },
{ id: 'none', name: 'None' }
],
onValueChange: (val) => {
if (!val) return;
if (val.includes('chronic') || val.includes('medications')) {
updateRecommendation('health', 3);
}
if (val.includes('family-history')) {
updateRecommendation('life', 3);
}
}
});
});
page4.addRow(row => {
row.addSuggestionChips('lifestyle', {
label: 'Select any that apply to your lifestyle:',
suggestions: [
{ id: 'travel', name: '✈️ Frequent travel' },
{ id: 'extreme-sports', name: '🏂 Extreme sports' },
{ id: 'pets', name: '🐕 Pet owner' },
{ id: 'pool', name: '🏊 Swimming pool' },
{ id: 'home-business', name: '🏠 Home-based business' },
{ id: 'none', name: '❌ None of these' }
],
onValueChange: (val) => {
if (!val) return;
if (val.includes('extreme-sports')) { updateRecommendation('life', 2); updateRecommendation('disability', 2); }
if (val.includes('pool')) updateRecommendation('umbrella', 3);
if (val.includes('pets')) updateRecommendation('umbrella', 2);
if (val.includes('home-business')) updateRecommendation('business', 3);
}
});
});
// ============ PAGE 5: Results ============
const page5 = pages.addPage('results', { mobileBreakpoint: 500 });
page5.addRow(row => {
row.addTextPanel('header5', {
label: 'Step 5 of 5: Your Insurance Recommendations',
computedValue: () => 'Based on your profile, here\'s what we recommend',
customStyles: { fontSize: '0.9rem', color: '#6b7280', marginBottom: '1rem' }
});
});
page5.addSpacer({ height: '24px' });
page5.addRow(row => {
row.addTextPanel('topRec1', {
computedValue: () => {
const top = getTopRecommendations();
const info = getInsuranceInfo(top[0]);
return `#1 ${info.label}`;
},
customStyles: {
fontSize: '1.3rem',
fontWeight: '700',
textAlign: 'center',
color: '#059669',
padding: '15px',
background: '#ecfdf5',
borderRadius: '10px',
border: '2px solid #059669'
}
});
});
page5.addRow(row => {
row.addTextPanel('topRec1Details', {
computedValue: () => {
const top = getTopRecommendations();
const info = getInsuranceInfo(top[0]);
return `${info.description}\n\n📊 Priority: ${info.priority}\n💰 Typical Cost: ${info.cost}`;
},
customStyles: {
fontSize: '0.95rem',
color: '#374151',
padding: '15px',
background: '#f3f4f6',
borderRadius: '8px',
lineHeight: '1.6',
whiteSpace: 'pre-line'
}
});
});
// Additional recommendations
const moreRecs = page5.addSubform('moreRecommendations', {
title: '📋 Additional Recommendations (click to expand)',
isCollapsible: true,
customStyles: { marginTop: '1rem', background: '#f9fafb', borderRadius: '8px' }
});
moreRecs.addRow(row => {
row.addTextPanel('rec2', {
computedValue: () => {
const top = getTopRecommendations();
if (top.length < 2) return '';
const info = getInsuranceInfo(top[1]);
return `#2 ${info.label}: ${info.priority}`;
},
customStyles: { fontSize: '0.9rem', padding: '10px', background: '#dbeafe', borderRadius: '6px' }
});
});
moreRecs.addRow(row => {
row.addTextPanel('rec3', {
computedValue: () => {
const top = getTopRecommendations();
if (top.length < 3) return '';
const info = getInsuranceInfo(top[2]);
return `#3 ${info.label}: ${info.priority}`;
},
customStyles: { fontSize: '0.9rem', padding: '10px', background: '#fef3c7', borderRadius: '6px' }
});
});
// ============ PAGE 6: Lead Capture ============
const page6 = pages.addPage('lead-capture', { mobileBreakpoint: 500 });
page6.addRow(row => {
row.addTextPanel('header6', {
label: 'Step 6 of 6: Get Your Insurance Guide',
computedValue: () => 'Receive your personalized insurance recommendations',
customStyles: { fontSize: '0.9rem', color: '#6b7280', marginBottom: '1rem' }
});
});
page6.addSpacer({ height: '24px' });
page6.addRow(row => {
row.addTextbox('name', { label: 'Your Name', isRequired: true, placeholder: 'Jane Smith' }, '1fr');
row.addEmail('email', { label: 'Email', isRequired: true, placeholder: 'jane@email.com' }, '1fr');
});
page6.addRow(row => {
row.addTextbox('phone', { label: 'Phone (optional)', placeholder: '(555) 123-4567' }, '1fr');
row.addTextbox('zipCode', { label: 'ZIP Code', placeholder: '10001' }, '1fr');
});
page6.addRow(row => {
row.addCheckboxList('consent', {
options: [
{ id: 'report', name: '📄 Send me my personalized insurance guide', isRequired: true },
{ id: 'quotes', name: '💰 Get quotes from insurance providers' },
{ id: 'advisor', name: '📞 Connect me with an insurance advisor' }
],
defaultValue: ['report'],
orientation: 'vertical'
});
});
// ============ PDF REPORT ============
form.configurePdf('insurance-guide', pdf => {
pdf.configure({
filename: 'insurance-coverage-guide.pdf',
pageSize: 'A4',
allowUserDownload: true,
downloadButtonLabel: '📄 Download Insurance Guide',
header: { title: 'Your Insurance Coverage Guide', subtitle: 'Personalized Recommendations' },
footer: { text: 'Generated by FormTs Insurance Assessment', showPageNumbers: true }
});
pdf.addSection('Recommended Coverage', section => {
const top = getTopRecommendations();
for (let i = 0; i < top.length; i++) {
const info = getInsuranceInfo(top[i]);
section.addText(`${i + 1}. ${info.label}`);
section.addText(` Priority: ${info.priority}`);
section.addText(` Typical Cost: ${info.cost}`);
section.addSpacer(10);
}
});
pdf.addSection('Coverage Details', section => {
const top = getTopRecommendations();
for (const type of top) {
const info = getInsuranceInfo(type);
section.addText(`${info.label}`);
section.addText(info.description);
section.addText(`Coverage: ${info.coverage}`);
section.addSpacer(15);
}
});
pdf.addPageBreak();
pdf.addSection('Next Steps', section => {
section.addText('1. Review each recommended coverage type');
section.addText('2. Gather quotes from multiple insurance providers');
section.addText('3. Compare coverage levels, deductibles, and premiums');
section.addText('4. Consider bundling policies for discounts');
section.addText('5. Review coverage annually or when life changes occur');
});
});
// ============ SUBMIT BUTTON ============
form.configureSubmitButton({
label: () => '🛡️ Get My Insurance Guide'
});
form.configureSubmitBehavior({ sendToServer: true });
}
Frequently Asked Questions
How accurate are these insurance recommendations?
This quiz provides general guidance based on common insurance needs for different life situations. For specific coverage amounts and policies, consult with a licensed insurance agent who can review your complete financial picture.
Do I need all the recommended insurance types?
The recommendations are prioritized based on your situation. Start with the highest-priority coverage and add others as your budget allows. Some coverage (like health and auto) is often required.
How often should I review my insurance coverage?
Review your insurance annually or whenever you experience major life changes like marriage, having children, buying a home, starting a business, or reaching retirement.