What's the Process?
Getting life insurance can sometimes be a complicated process. However, we are here to make it as simple and easy as possible.
Step 1: Determine your needs
You’ll start by telling us a little about yourself. This includes some details about what you are trying to protect most, your family. We will use details regarding your income, number of kids, and mortgage amount to help give you an idea of how much coverage you might need. Don’t worry though, we have trained life insurance agents available to help give you a more customized and in-depth look if you prefer.
Step 2: Get a quote
We will give you a price range based on the coverage you select and the health information that has been entered. By providing more accurate information about yourself, we can provide a more accurate quote on how much life insurance will cost you. It’s important to disclose the most accurate health information you have available.
Step 3: Apply
We will take the information needed for your application through a short telephone interview. This means that you won’t have to be concerned with completing lengthy and complex paper forms. Once we have all the information needed for the application, we will send the application back to you for electronic review and signature.
Step 4: Underwriting
Once you have signed the application, we will begin reviewing your information to determine if a policy can be offered that meets your desired coverage amount and term length. Depending on your coverage amount, a decision can be made in as little as 20 minutes. However, some applications may take longer for review.
Step 5: Policy Delivery
After your application has been reviewed, you will be sent an offer for coverage. Simply sign the policy and make your first premium payment for the policy to go into effect.