HOW MUCH COVERAGE DO YOU NEED?

One of the first things that needs to be done is to determine the amount of life insurance that you need. If you would like help with this, try using our life insurance calculator.

WHICH TYPE IS BEST FOR YOU?

There are many different types of life insurance. If you are unsure which type of life insurance is right for you, read about the types of life insurance available. An insurance company will also determine your rate class, which is based on your health, lifestyle and family history among other things. Your rate class affects your premium. Read choosing your rate class to learn more about this process.

REQUEST A QUOTE FROM US.

Now you're ready to obtain a quote from us. Simply click here to fill out our quote request form online. We will ask you a series of questions regarding your health, lifestyle, and family history. This information is used to determine the best product for you and your individual situation.

WE CAN ANSWER ALL OF YOUR QUESTIONS

After you've received your quotes, you may have some questions. At this time, you can give us a call so we can answer your questions and help you determine which products represent the best values.  

COMPLETE THE APPLICATION

Once all of your questions have been answered, and the best values have been determined, we can assist you in completing the application, right over the phone. We will then put the application and any other necessary forms in the mail to you. You will need to return the application and these forms to us with your signature before the underwriting process can begin.

PREPARE FOR THE MEDICAL EXAM

While you are waiting to receive the application in the mail, we will schedule a time for your medical examination. This exam will be paid for by the insurance company, and will be done at your home or office at a time convenient for you.

The results of your exam, which typically includes a blood test, can greatly impact the price of your life insurance.

THE UNDERWRITING PROCESS BEGINS

The next step is to wait for the underwriting to be complete. The underwriting process usually lasts 3-8 weeks, but this time can vary greatly from case to case.

RECEIVE YOUR POLICY

Once your application has been approved, and all of the requirements have been met, we will mail your policy to you.