7 Easy Steps! America’s choice for shopping life insurance online!
Step 1: Smart Look
Please check out the items in Smart Look section found to the right:
- Top-Rated Companies
- Factors to Consider When Comparing Policies
- How Are Your Rates Calculated?
- Insurance Company Ratings Categories
Step 2: Shop Plans
Use our free Instant Term Life Quotes Online Search Engine to compare hundreds of insurance policies from top-rated carriers.
Step 3: Complete an Application Over the Phone
Speak to a licensed representative from our agency to review your options and complete a secure online application — right from the comfort of your home or office!
Step 4: Telephone Interview and Physical Exam
Your insurance carrier will contact you for a telephone interview. If an exam is required, the carrier’s paramedical examiner will contact you to set up a convenient appointment for a physical exam. The physical exam can take place in your home or office, and is performed by a medical professional at no cost to you. (The insurance company pays for the exam).
Step 5: Underwriting Process
All Insurance companies will have their underwriters review your application before issuing your policy. This process typically takes 3-6 weeks depending upon how fast you schedule you paramedical exam and how quickly additional requests are met.
Step 6: Approval & Delivery!
Once you are approved by the insurance carrier, we will send you your policy with instructions on how to place the coverage in force. Some carriers send policies electronically via secure email. It is that simple and easy to get covered!
Step 7: 30 Day Free-Look
All Insurance Carriers are required by law to give policy holders a 30 day free-look period to review their policy and give you the option to cancel within this period. Our Agency deals with only top-rated carriers and we are always available for you to contact us during this convenient process!