How to Apply

Everything you need to know about the application process, and why we do things the way we do for your benefit.

 Fill out the online application

Online Application

Your application is submitted to Wawanesa Life Insurance immediately. No banking information is required until policy delivery.

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.

Receive your policy by email.

This generally takes 2-3 weeks for the underwriter to review your information. Once your policy is approved, we’ll contact you for your banking information and signatures, then we’ll send you your policy by email.

Start saving!

Once your new policy is in-hand, you can contact your bank and cancel your mortgage life insurance. Congratulations – you’ve got better life insurance, at a much cheaper premium.

We are always here to help.

We have professional, experienced advisors so if you ever have any questions please feel welcome to contact us.