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.
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:
- Get a quote. You can request a life insurance quote online or over the phone simply by telling us a little bit about yourself.
- 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.
- 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.
- 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.
- 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