What does the life insurance application process involve?

Once you select an insurance company and rate, you then request an application by filling out the application request form.

After you request the insurance application, an agent will contact you and set up a convenient appointment for a no-charge physical. The physical can take place in your home or office and is performed by a medical professional.

Upon completion of the application and physical, we then submit the information to the underwriting insurance company. Four to eight weeks are required for the life insurance company to underwrite and issue the policy.

The entire process is that simple!

Why Should I buy life insurance through you?

It's simple. We do the shopping so you don't have to.

And we represent the best life insurance companies in the country. As an independent agency, we aren't tied to any single company's rates. We can match each client's needs with the company that's best suited to meet his or her individual situation. Because of these services, our clients are able to make the best choice for their financial security.

What is Term life insurance?

Term life insurance is life insurance coverage at a guaranteed rate for a specified period of time. (Example: 30 year level term would guarantee a level premium for 30 years based on a specified death benefit) Term life insurance is usually the least expensive form of life coverage.

What is Universal Life Insurance?

Universal life insurance is a flexible premium policy under which the policy owner may adjust the death benefit from time to time and vary the amount or timing of premium payments given specified limitations. Premiums are credited to a policy account from which mortality charges are deducted and to which interest is credited based on short term interest rates. This crediting usually allows some cash value build up in the policy.

What is Whole Life Insurance?

Whole life insurance is a permanent type of life insurance coverage that can provide lifetime protection at a level premium. Premiums must generally be paid as long as the policy is in force.

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