Let us answer any questions you have about life insurance in general; or any questions specific to the carrier selection, application, examination, and underwriting processes.
Check out a list of the 20 or so most competitively priced insurance carriers for your profile, view the company ratings and see each carrier ranked in order of price.
After making your carrier selection, one of our specialists will take your application by phone. This process typically takes about 15 minutes. At the completion of the process we will email you a secure copy of your completed application in PDF format encrypted with the password of your choice, as well as the application signature pages that you will need to sign and return. You can fax them, scan and email them or if you prefer, we will provide UPS service for shipping purposes.
Within 1-2 business after the submission of your application, a registered nurse in your zip code will give you a call to schedule a convenient time to conduct your exam. Just prior to ordering your exam we will send you a confirmation email. Attached to that mail will be a PDF for you to read prior to meeting with your nurse. This document will let you know what to expect from the exam process, and it will give you preparation tips to help you achieve the best possible results.
As soon as the underwriting process has concluded we will contact you to review the results. At this point you will have the opportunity decide whether you would like to accept, reject or change your coverage details. Additionally, if your rate class assignment is less favorable than anticipated, we will have our team of independent underwriters review your offer and make recommendations as to whether or not we should shop your offer out to other life insurance carriers.