From the form to a policy, usually in one call.
Here is exactly what happens after you hit submit.
- 01
Request a quote
Two minutes on the form, or call during business hours. We need your name, phone, state, and the kind of coverage you are after.
- 02
A licensed agent calls you
Usually the same business day. The agent confirms what you are looking for and asks the questions carriers need: age, state, a few health questions for life coverage, or your doctors and prescriptions for Medicare.
- 03
You hear your options
Three coverage amounts with the exact monthly payment for each, from the carrier most likely to approve you at the best rate. Adjust up or down until it fits.
- 04
Apply on the call
The application is completed by phone. For most final expense and whole life plans, underwriting answers within minutes and the agent confirms your policy number, effective date, and draft date before you hang up.
- 05
Your policy arrives
Documents are mailed by the carrier, usually within 10 to 14 business days after the first payment. Your agent stays your contact for changes, questions, and claims.
Have this ready
- Date of birth, height, and weight
- Prescriptions you take and what they are for
- Who you want as beneficiary
- Bank routing and account number, for the best rate
Have this ready
- Your Medicare card
- The doctors you want to keep
- Your prescriptions and pharmacy
- Your current plan, if you have one
Start with the form.
A licensed agent takes it from there.