Process

When you make "The Prudent Choice^TM" to purchase a life insurance policy, you initiate a process that takes time to complete and involves a number of steps. Use our life insurance calculator to determine the amount and length of coverage you should buy.

In the interest of full disclosure, the steps are as follows:

1.

You complete an application for life insurance. We can email or mail you the appropriate forms. You are not required to meet with an agent.

2.

You submit a para-medical exam, a blood sample, a urine specimen and any other physical measurements required by the insurance company. The insurance company pays for the exam and we schedule it at your convenience. You can do it at your home or office.

3.

The underwriter at the insurance company is responsible for the overall risk classification of your application and will take into account many variables in the decision process. The underwriter reviews the application and other sources of information, such as the exam and blood chemistry results, attending physician reports, Medical Information Bureau reports and personal history interview data to make a final decision. The ultimate goal of this process is to issue a policy that is adequately and fairly priced based on your individual circumstances. This process can take anywhere from a few days to a few weeks. Some carriers are faster than others. Large amounts of insurance generally take longer than smaller amounts because the carriers are more cautious due to the greater risk.

4.

If approved, you receive a policy with rates based on the underwriting decision. If declined, you will receive a letter from the insurance carrier indicating the reason for declination. We will send you your policy in the mail and answer any other questions you might have.

Health Issues

Certain medical and lifestyle issues will cause premiums to be higher than normal or standard rates. These may be issues like tobacco use, cardiovascular disease, cancer history or avocations such as flying private aircraft, scuba diving or race car driving.

We work hard to match your circumstances to the insurance carriers that rate your history or avocation aggressively.

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