How we buy term life insurance

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Schedule a call or Zoom Here.  

On this call/Zoom we will do a needs analysis, discuss your health history (to find the best carrier for you), and go over the underwriting process. 

I will get quotes for you while we are on the call and discuss the pros and cons of each policy.

Once a decision has been made on the right policy, we will guide you through the underwriting process. Underwriting is the process the insurance carrier takes to make sure the insured (you) are a suitable risk for the carrier to take. 

This can be an instant decision or take up to 6 weeks. 

The carrier will often request additional information such as your doctor's contact information or other documents regarding your medical history. 

Once underwriting is complete, you will need to e-sign additional paperwork and pay the first month's premium for the policy to be in-force. 

We will continue to monitor the policy and make updates to your life insurance plan as life events happen.