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  • INSURANCE PRODUCTS
    • Term Life Insurance
    • Quality of Life
    • Permanent Life Insurance
    • Universal Life Insurance
    • Whole Life Insurance
    • Guaranteed Issue Whole Life Insurance
    • Accidental Death Insurance
    • Self-Fulfilling Life Insurance
    • Final Expense Insurance
  • LIFE INSURANCE BASICS
    • Life Insurance
    • Choosing a Life Insurance Policy
    • Which Type of Life Insurance Policy Do I Need
    • What to Expect When You Apply for Life Insurance
    • Life Insurance Medical Exam
    • Managing Your Life Insurance Policy
    • Term Life Insurance Calculator
    • Life Insurance Terminology
    • How to Buy Life Insurance
    • Life Insurance Quotes Online
    • Affordable Term Life Insurance
    • Benefits of Life Insurance
    • Life Insurance Rates
    • Is Life Insurance Worth It
    • Supplemental Term Life Insurance
    • Million Dollar Life Insurance
    • Who Needs Life Insurance
    • Life Insurance Planning
    • When to Buy Life Insurance
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    • Why Life Insurance
    • Planning for Life Insurance
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  1. Home
  2. Life Insurance Basics
  3. What to Expect When You Apply for Life Insurance

What to Expect When You Apply for Life Insurance

Knowing what to expect when you apply for life 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.

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Buying life insurance may seem daunting at first, but with a little guidance from us, you can easily find and apply for a life insurance policy that fits your needs. We have knowledgeable, licensed life insurance agents that are always on standby to help guide your decisions. 

What information will you need to have on hand for your life insurance interview?

  • Your salary and outstanding debts
  • Any current or past medical diagnoses and prescriptions
  • Information about your beneficiaries
  • Contact information for your primary care physician

Life Insurance Application Process

Our life insurance application process is easy to follow and will help ensure that you are getting the very best life 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 agent. You'll need to answer questions about your medical history and other factors that may affect your life insurance quote. The call regularly won't last more than 10 minutes, and when it's over, we'll recommend a life insurance policy that fits your needs.
  3. Complete an application. After you choose a life insurance policy, you'll complete a full application that will provide us with needed information to approve your coverage.
  4. Take a medical exam. The life insurance 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 we review your application and assess your insurance risk. Be patient in this stage; the process may take a few weeks.

What could affect your life 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

Help protect your family with Life Insurance!

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INSURANCE PRODUCTS
  • Term Life Insurance
  • Quality of Life
  • Permanent Life Insurance
  • Universal Life Insurance
  • Whole Life Insurance
  • Guaranteed Issue Whole Life Insurance
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LIFE INSURANCE BASICS
  • Life Insurance
  • What is Life Insurance
  • How Does Life Insurance Work
  • Choosing a Life Insurance Policy
  • What to Expect When You Apply
  • Medical Exam Preparations
  • Managing Your Life Insurance Policy
  • Term Life Insurance Calculator
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  • INSURANCE PRODUCTS
    • Term Life Insurance
    • Quality of Life
    • Permanent Life Insurance
    • Universal Life Insurance
    • Whole Life Insurance
    • Guaranteed Issue Whole Life Insurance
    • Accidental Death Insurance
    • Self-Fulfilling Life Insurance
  • LIFE INSURANCE BASICS
    • Life Insurance
    • What is Life Insurance
    • How Does Life Insurance Work
    • Choosing a Life Insurance Policy
    • What to Expect When You Apply
    • Medical Exam Preparations
    • Managing Your Life Insurance Policy
    • Term Life Insurance Calculator
    • About Life Insurance Blog
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© 2022 AIG Direct Insurance Services, Inc. Agency services provided by AIG Direct Insurance Services, Inc. ("AIG Direct"), CA license # 0B57619 and AR license # 0100105378, a subsidiary of American General Life Insurance Company ("AGL"), Houston, TX and an affiliate of The United States Life Insurance Company in the City of New York ("US Life"). All members of American International Group ("AIG"). AGL does not solicit, issue or deliver policies or contracts in the state of New York. AIG Direct offers policies on behalf of affiliated and unaffiliated insurance companies. Guarantees are backed by the claims-paying ability of the issuing insurance company. Products may not be available in all states and product features may vary by state. For all companies mentioned, their financial professionals and other representatives are not authorized to give legal, tax or accounting advice. For advice concerning your individual circumstances, consult the appropriate professional.

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