WHAT TO EXPECT WHEN APPLYING FOR INSURANCE

Knowing what to expect when you apply for Insurance can help make the process simpler and easier. In just a few minutes, this can help you better understand the process and what you'll need to have on hand when you get started.

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

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Lending, Insurance and policy criteria and terms and conditions apply. Content on this website is general in nature and is not a recommendation, opinion or guidance to any individuals in relation to acquiring or disposing of a financial product. Readers should not rely on this content and should always seek specific financial advice appropriate to their own individual circumstances.

Joanne Walker

Registered Financial  Adviser

Partner

Albany Office, Auckland

021 660 307

jo@trebla.nz

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