Step 1. RATE QUOTES
Get your FREE comparable rate quotes from the leading life insurers by entering your data on our secure and confidential rate calculator (link) on our homepage. Comparing our rates places you under NO OBLIGATION and you will NOT receive SPAM or electronic solicitations.
Step 2. APPLY ACCORDING TO YOUR NEEDS
Select the offer that best suits you by clicking “Apply Now.” Be aware that the initial rates assume a preferred medical status. Rates may be adjusted by our underwriters based on your questionnaire (LINK) answers and medical exam.
Step 3. APPLICATION FORMS
Complete ALL questions on our preliminary short application to verify your rate quoted. This gives you a preview of what will be included in a longer PDF application form which is specific to your home state. Our Customer Care team will phone you to verify the data submitted, advise you of any options, discuss underwriting requirements, answer any questions and schedule your paramedic exam (found below).
Step 4. ROUTINE EXAMINATION
Our customer care team will schedule a brief exam (blood and urine samples & blood pressure check) at the time and place of YOUR convenience, and OUR expense ANYWHERE in the U.S.
Step 5. UNDERWRITING AND APPROVAL!
Once our underwriters approve your application at an agreed upon rate, we will send you payment instructions. Upon receipt of your payment, we will send your policy contract to you, ANYWHERE worldwide, via registered mail. Our highly qualified underwriters will review the results of all of the above, may ask for additional information or documentation and will arrive at a decision (SUGGEST to say evaluate).