Life Insurance Application Process


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Quick & Easy Online Life Insurance Application Process

At Top Quote Life Insurance we make the process of applying for life insurance simple. Below we have listed the simple steps of the 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.


  • 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.

Jeffrey Manola

Jeffrey Manola

Jeffrey Manola is an experienced life insurance agent and the founder of Top Quote Life Insurance. His mission when he created Top Quote Life Insurance was to provide online consumers searching for life insurance with the absolute best quotes for term life insurance, permanent life insurance, no medical exam life insurance, and burial insurance.

Not only does he strive to provide you with the best rates for your life insurance coverage, but he also wants you to be well informed about the different types of life insurance options that are available. You will also find a significant amount of valuable information on the multiple life insurance companies that can provide you with coverage.

Jeffrey Manola is licensed to provide expert advice and help aid in the purchasing process of life insurance products. He is licensed with the National Insurance Producer Registry (NIPR) in the following states:

AL: 790866 AR: 14358927 AZ: 14358927 CA: 0K29801 CO: 531038 CT: 002536246 DC: 3000281706 DE: 3000190912 FL: W383615 GA: 3089339 HI: 482421 IA: 14358927 ID: 646048 IL: 14358927 IN: 3100885 KS: 14358927 KY: DOI-986908 LA: 758187 MA: 2045330 MD: 3000011601 ME: PRN252004 MI: 14358927 MN: 40427014 MO: 8428106 MS: 10519253 NC: 14358927 ND: 14358927 NE: 14358927 NH: 2434852 NJ: 1562332 NM: 14358927 NV: 3299018 NY: LB-1484031 OH: 1117369 OK: 100293583 OR: 14358927 PA: 740709 RI: 3000183893 SC: 14358927 TN: 2383399 TX: 1969337 UT: 648983 VA: 987464 VT: 3426230 WA: 947010 WI: 14358927 WV: 14358927

Never hesitate to reach out to Jeffrey if you need help. Top Quote Life Insurance is more than just an online quoting agency. We want to help you save money, protect your future, and earn your trust (888) 777-7574.

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Life Insurance Rates?

Purchasing Life Insurance has never been easier

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Ready to Shop for Great
Life Insurance Rates?

Purchasing Life Insurance has never been easier

Or give us a call...888-777-7574