Lifestyle Life Insurance

How much coverage and what type do I need? Everyone has a unique situation and goals! You may have a product and amount in mind but we are always available to give expert guidance and address the unknown.

Once you've determined with our expert guidance the type and amount of coverage you need, we will assess your risk factors before beginning the application process.

Once risk factors are determined, we research and compare all available carriers with an independent, unbiased approach to find you the most competitive offer from a top-rated company.

Once these 3 steps are complete, we will present our findings. When you are ready, we will finalize the formal application process and go through underwriting to get the policy approved.

The formal application and underwriting process can vary based on the company and product.

Paper or online/electronic application

• This typically involves some medical, family history and hazardous activity questions.
• Can be completed by telephone and email in most cases.

Medical exam or face-to-face interview

• Depending on coverage levels and type of coverage there may be a medical exam performed by an independent health professional at your home office or location of your choosing.
• In some cases a telephone or face-to-face interview and medical questions will be conducted.
• All of this is done at no cost to you.

Medical history report

• The companies may require access to medical records from doctors you have seen in the past.
• Prescription drug inquiries.
• All this is at no cost to you.

• In some cases this can be done remotely but is often done in person.
• Premium is paid and policy is put in place.
• All policies allow a 30 Day Free Look where the insured has the right to return the policy if they are not satisfied.
• Completion, you are now covered!