Not all insurance companies offer online applications, but many of the top low cost life companies in Pennsylvania do allow for online applications. You can get quotes for dozens of companies in your state state by visiting http://www.420lifeinsurance.com/. Any of the quotes you see that say "e-signautre" allow you to submit your application online. If you need further assistance, one of the agents at the company will be happy to provide a consultation at no charge whatsoever.
There are a number of agencies represented by contributors to InsuranceLibrary.com that will provide online quotes to Pennsylvania residents. You can look through the leaderboard to see who looks reputable, will provide good customer service, and allows you to and experiment with different quote options.
The next step is to email or call the agency to firm up your quote. Any life insurance offered online without any further questions probably is priced higher so that it covers all types of health, or else they can easily decline you.
At this point, you can fill out the application in one of several ways: paper, digital, phone, in person. If you are applying for a No Exam policy it could be in effect within hours or days. If one that requires an exam, you will be contacted to do a free exam in your home or other place of your choice, then your application will go through an underwriting review.
Some policies are paid for up front, some are paid upon approval, and some are paid after you get the policy in the mail and have looked it over. Some online agencies give you a choice. There are many online agencies that serve Pennsylvania, so be sure to use one that you trust and that will work with you to get your best policy and price.
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The next step is to email or call the agency to firm up your quote. Any life insurance offered online without any further questions probably is priced higher so that it covers all types of health, or else they can easily decline you.
At this point, you can fill out the application in one of several ways: paper, digital, phone, in person. If you are applying for a No Exam policy it could be in effect within hours or days. If one that requires an exam, you will be contacted to do a free exam in your home or other place of your choice, then your application will go through an underwriting review.
Some policies are paid for up front, some are paid upon approval, and some are paid after you get the policy in the mail and have looked it over. Some online agencies give you a choice. There are many online agencies that serve Pennsylvania, so be sure to use one that you trust and that will work with you to get your best policy and price.