Term Life Application Process
7 Easy Steps! America’s choice for shopping life insurance online!
Step 1: Informative Articles – Please read the Informative Articles section: (Top-Rated Companies, Factors to consider when comparing policies, How your insurance premiums are calculated, & Insurance Company Ratings Categories.) Click on the links in the right column to review the topics.
Step 2: Shop Plans – Use our free Instant Term Life Insurance Quote Tool to compare hundreds of insurance policies from top-rated carriers. Before you make you selections please read the Tobacco guidelines & the Health guidelines.
Step 3: Request Application -Once you request to receive insurance applications forms, a licensed representative from Our Agency will contact you and send you all carrier specific required forms with easy to follow instructions. The quickest way to receive your application forms is in a .PDF file by email. You may also request traditional mail which takes 3- 5 business days.
ALL NEW ! WE JUST NEED IS YOUR NAME AND PHONE # after we receive your request to complete the application. This is available to many of the carriers currently .We just schedule a time to compete a phone interview . We then type up the application while we are on the phone together .Recommend if available.
4: Physical Exam – We will have your insurance carriers paramedical examiner contact you and set up a convenient appointment for a physical exam. The physical exam can take place in your home or office, and is performed by a medical professional at no cost to you. (The insurance company pays for the exam).
Step 5: Underwriting Process – All Insurance companies will have their underwriters review your application before issuing your policy. This process typically takes 3-6 weeks depending upon how fast you schedule you paramedical exam and that all additional request are met in a timely fashion.
Step 6: Approval & Delivery! – Once you are approved by the insurance carrier, we will send you your policy via express mail. We will then receive confirmation that you received your policy. It is that simple & easy to shop online!
Step 7: 30 Day Free-Look – All Insurance Carriers are required by law to give policy holders a 30 day free-look period to review their policy and give you the option to cancel within this period. Our Agency deals with only top-rated carriers and we are always available for you to contact us during this convenient process!
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Larry Prislovsky
