When you have submitted your Application Request, you will be given the opportunity to schedule your free medical exam online, which is required for most life insurance policies. Once you have scheduled your exam, we will send your life insurance application to you via email and mail you a hard copy via Priority Mail. We will highlight all the fields you need to complete, as there are many sections on the application that don’t need to be completed. Alternatively, with a quick phone call, we can walk you through the application and answer any questions you may have.
If you do complete your application without our assistance, please complete all highlight areas and sign and date it. If you make any errors while filling it out, cross through the error(s), initial it and write your correction next to it. Do not use white-out, as the insurance company will not accept an application that has been corrected with white-out.
You can either email us your completed application, mail the application and premium payment (optional) back to us in the postage-paid envelope or give it to the medical examiner when you have your exam.
Premium payment is not required with your application. However, you may be given the option of submitting payment with your application in order to get temporary coverage during the underwriting period. Each insurance company has their own guidelines concerning temporary coverage, so please read the instructions carefully in your application packet. If you do choose to submit premium with your application, please follow these guidelines:
Upon receipt of your application, we will review it to make sure all required fields have been completed. If additional information is needed, your assigned case manager will contact you to complete the application with you. Once completed, we will forward your application and medical exam report to the insurance company for underwriting,
Next: The Medical Exam
Many people who are just starting out with a family know that it can be tough to make ends meet. From buying a home to raising children, there are endless responsibilities that come into play. One of the most important, and often overlooked responsibilities, is making sure your family will … Continue reading Myths about Life Insurance that Could Hurt Your FamilyRead More
Your spouse doesn’t even want to think about you passing away, let alone have to sit down and actually discuss it. It’s never easy to talk about death, especially the death of someone you love. That’s why discussing life insurance with your spouse can be so difficult. But since the … Continue reading How to Talk About Life Insurance With Your SpouseRead More
Deciding which type of life insurance product is right for you can be difficult; regardless of whether you’re considering retaining your current policy or you’re shopping for new coverage, it’s important to note that there are benefits to both term life insurance and whole life insurance. Which is the best … Continue reading Term Life Insurance vs. Whole Life InsuranceRead More