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The Life Insurance Process
A NON-PRESSURIZED, FULLY-INFORMED WAY TO BUY INSURANCE
You can make the best decisions for you and your family
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We'll be with you every step of the way to offer all the help and guidance you might need.
Everything is here to compare policies, decide on the right insurance policy for you and then apply…
so there’s no need to go anywhere else!
How much does it cost to apply for an |
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| insurance premium? Nothing, our service is free. The insurance company that we recommend to you pays (underwrites) the cost of the application. The only 'cost' to you is your time to take the medical exam. You are under no obligation to accept a policy. You must be 100% happy with all the information you have received, if you have any questions or doubts, ask us here at InsuranceClick.com to explain any of the features of the insurance policy before you pay. |
Here is the insurance process:
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Begin the life insurance process:
Simply complete the form Free Term Life Insurance Quotes or call (800) 489-1731 to request an application. Once you submit this form we will contact you to obtain additional information needed to complete your application (this will take about 5 minutes). Your life insurance application will be mailed to you along with a discussion of our low term life insurance rates |
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Insurance company processing of your insurance application:
After you have mailed your application and medical report to the insurance company, they will then begin the "underwriting" stage (evaluation) of your insurance application. You will be contacted to set up a convenient time for the life insurance company medical exam. The medical exam can be scheduled at your home or work and is paid for by the insurance company. The exam typically consists of medical history questions, blood/urine specimen, blood pressure/pulse readings, and height/weight reading.
The underwriter will examine all of the answers to your questions along with the medical report. Sometimes additional requirements may be necessary such as an EKG. It is recommended that you schedule your exam early in the morning because test results are often better at this time.
Once we receive your completed life insurance application, it will be submitted to the insurance company. Underwriting usually takes 4-8 weeks. We will notify you once underwriting is complete.
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Payment for your insurance policy:
When your policy has been approved, you then send a check to InsuranceClick.com but made payable to the insurance company. We mail your check and application form to the insurance company you selected. You can get temporary conditional coverage while your application is being processed if you mail a check for the first premium with your application. If you already have insurance, we recommend you maintain your original insurance cover until your new application is accepted. If you do this you won't need temporary conditional insurance coverage. |
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Insurance coverage begins:
Your insurance coverage only begins after the policy has been approved and the insurance company has received the first payment of the insurance premium. You can get temporary conditional coverage during the application period.. However you must still meet certain conditions. These are outlined along with the amount of cover on the insurance application form. We only recommend you take out temporary insurance cover if you did not previously have insurance. If you are changing existing insurance do not cancel it until your new policy has been approved and the insurers have received your first premium's payment. |
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To find out what your life insurance should really cost, please
for a free, instant quote.
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