What information will you need to have on hand?

• Your salary and outstanding debts

• Any current or past medical diagnoses and prescriptions

• Information about your beneficiaries

• Contact information for your primary care physician

 

 

Insurance Application Process

 

Our application process is easy to follow and will help ensure that you are getting the very best Insurance policy for your needs. Here's a breakdown of what you can expect:

1. Get a quote. You can request a life insurance quote online or over the phone simply by telling us a little bit about yourself.

2. Speak with an adviser. You'll need to answer questions about your medical history and other factors that may affect your Insurance quote. The call regularly won't last more than 10 minutes, and when it's over, we'll recommend a policy that fits your needs.

3. Complete an application. After you choose an Insurance policy, you'll complete a full application that will provide us with needed information to get your coverage approved.

4. In some instances, you may need to take a medical exam. The medical exam is used to determine your eligibility and finalize your rate. You can choose the time and place for this exam, and a qualified nurse will come to you. The medical exam is simple and shouldn't take more than 30 minutes.

5. Underwriting begins. Underwriting is the process in which the insurance company will review your application and assess your insurance risk. Be patient in this stage; the process may take a few weeks.

 

What could affect your Insurance premiums?

• The length of policy and amount of coverage you need

• Your age

• Your physical and mental health

• Tobacco use

• Your driving record

• Your travel plans

• Your family medical history

• High-risk activities like skydiving, flying a plane or bungee jumping