One popular way to get life insurance is to look for a quote on the internet, then communicate with the financial representatives at that website to purchase it.
If applying for a medically underwritten policy, you will submit an application, then take a free exam in your home or other location of your choice. Sometimes the company will also order your medical records.
If you apply for No Exam life insurance, there is no need to take an exam.
Once your application and other requirements have been reviewed, the underwriter will decide whether to approve your policy, and determines what rate you will pay. With our agency, we give you a chance to change the face amount or term length, so that the policy stays within your budget. Some agencies simply send you the policy at the rate it was approved, and you take it or leave it.
Procedures can vary depending on the type of policy and application you use, and the protocol used by each agency.
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If applying for a medically underwritten policy, you will submit an application, then take a free exam in your home or other location of your choice. Sometimes the company will also order your medical records.
If you apply for No Exam life insurance, there is no need to take an exam.
Once your application and other requirements have been reviewed, the underwriter will decide whether to approve your policy, and determines what rate you will pay. With our agency, we give you a chance to change the face amount or term length, so that the policy stays within your budget. Some agencies simply send you the policy at the rate it was approved, and you take it or leave it.
Procedures can vary depending on the type of policy and application you use, and the protocol used by each agency.