How to Apply

Medical history

For a full featured, inexpensive term life insurance policy, the life insurance company needs to review your medical history - this is the only way to guarantee an inexpensive, full featured term life insurance policy. It is not a test - it's a review to ensure that you meet their standard requirements.  **Note that most people in 'normal standard health' should expect to receive the rates quoted.
Ages 45 and below, to $1MM of coverage: Medical history phone call only.
Ages 46-50 to 499,000 of coverage: Medical history phone call only.
Ages 46-50, $500,000-$1mm of coverage: Add Blood/Urine.
Ages 51-65 to $1MM of coverage: Medical history phone call, add Blood/Urine.

Medical history phone call:

During the application, you will select a timeframe for the phone call. An experienced medical person will call you and ask you about 15 general questions. Simply disclose your entire medical history to the best of your ability. There are no trick questions and they're not looking for ways to deny you coveage. They're simply looking for enough details to ensure that they can in fact provide you insurance coverage.

Blood & Urine:

At older ages and higher coverage amounts they may require blood/urine. An experience medical person will make a brief visit to your home or office and collect a blood sample, a urine sample, and measure your height and weight - about 10 minutes total.

This process gives you the best coverage available. If you have any questions or concerns about this process - including any specific conditions, please contact our office at 866-779-1499 and ask to speak to an experienced advisor.