From these comments, I wasn't going to bother, but what the hell, I'll give it a whirl and report back...
Okay, that was unexpected. I got 100%, despite putting in zero for life insurance. We do have some through DH's work, but the quiz only asked about me, despite asking for spouse's age and income. I suspect it has more to do with our age. The older you get, the less you need it, perhaps.