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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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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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