Quick & Easy Online Life Insurance Application Process
Throughout the process we will keep you updated and well informed on the underwriting status, but please don’t hesitate to contact us with any questions or concerns.
No Obligation Life Insurance Quotes
First and foremost by submitting a life insurance request, you are absolutely under no obligation to buy. Located on every page of our website you will find a free instant life insurance quote form.
The instant life insurance quote form will provide you with the best life insurance rates based on your selected criteria. The life insurance rates are displayed from lowest to highest price. Top Quote Life Insurance will do our absolute best to get the policy at the rate you have requested.
Live Agent Confirmation
Once we have received your initial request to apply for coverage, a licensed agent will contact you within 24 hours to verify the plan type you have selected and complete your application. Our agents will make sure you fully understand the type of coverage you have selected and make sure you know how it works.
Free Medical Exam
If your life insurance coverage requires a paramedical exam, we will arrange to have a licensed examiner contact you to schedule a date to complete your exam, at your convenience. The paramedical exam is paid for by the insurance company you are applying with and is at no cost to you. The paramedical exam plays a very important role in your risk classification.
HERE ARE A COUPLE TIPS TO REMEMBER PRIOR TO YOUR EXAM DAY:
- Try to fast 8 – 12 hours prior to exam
- Avoid foods high in salt or fat
- Drink plenty of water prior to exam
- Coffee prior to the exam is ok, but keep it plain no sugar or cream
- No alcoholic beverages 24 hours prior to exam
- Get plenty of sleep prior to the exam
No Hassle Application Process
Once you have received your life insurance application for the company you have requested, please review the application and complete all highlighted areas and sign at the “x’s”. Your completed application can either be mailed with the provided postage paid envelope, faxed or emailed.
Status Updates During the Underwriting Process
Once your paramedical exam has been completed and your completed application has been received we will forward it to the underwriters to begin the underwriting process. During the underwriting process, we will keep you updated through the process and contact you if the insurance company needs any further information. Upon approval, we will call you to let you know you were approved.
Once approved, you will be required to submit some delivery requirements to place your policy into force. These requirements will be emailed, faxed or mailed to you, whichever is more convenient for you. Once the delivery requirements are submitted, you will receive your policy in a matter of a few days. Once your application has been received the average time for approval and policy delivery is 4 – 6 weeks.
Your Life Insurance Application has Been Approved!
If for some reason your life insurance application is not approved as applied for, we will ask if you would like for us to shop it with one of our many other companies. Life insurance carriers all underwrite differently, so there is a very good chance that you may be able to get a better rate or even a lower premium with one of the other carriers based on your newly approved risk class. You should not need to take a new paramedical exam but we will need you to complete a new application for the new life insurance carrier.
At anytime of the life insurance application process, please feel free to contact us toll free 888-777-7574 with any question or concerns.