Life Insurance Application Process
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Kalyn Johnson
Insurance Claims Support & Sr. Adjuster
Kalyn grew up in an insurance family with a grandfather, aunt, and uncle leading successful careers as insurance agents. She soon found she has similar interests and followed in their footsteps. After spending about ten years working in the insurance industry as both an appraiser dispatcher and a senior property claims adjuster, she decided to combine her years of insurance experience with another...
Insurance Claims Support & Sr. Adjuster
UPDATED: Mar 19, 2024
It’s all about you. We want to help you make the right life insurance coverage choices.
Advertiser Disclosure: We strive to help you make confident life insurance decisions. Comparison shopping should be easy. We are not affiliated with any one life insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different life insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about life insurance. Our goal is to be an objective, third-party resource for everything life insurance-related. We update our site regularly, and all content is reviewed by life insurance experts.
UPDATED: Mar 19, 2024
It’s all about you. We want to help you make the right life insurance coverage choices.
Advertiser Disclosure: We strive to help you make confident life insurance decisions. Comparison shopping should be easy. We are not affiliated with any one life insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different life insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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Looking to compare life insurance policies? We can help. Enter your ZIP code to get free quotes from multiple insurers.
Quick & Easy Online Life Insurance Application Process
At Top Quote Life Insurance we make the process of applying for life insurance simple. Below we have listed the simple steps of the life insurance application process.
Throughout the process we will keep you updated and well informed on the underwriting status, but please don’t hesitate to contact us with any questions or concerns.
Read more: How Long Does It Take To Get A Life Insurance Policy?
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No Obligation Life Insurance Quotes
First and foremost by submitting a life insurance request, you are absolutely under no obligation to buy. Located on every page of our website you will find a free instant life insurance quote form.
The instant life insurance quote form will provide you with the best life insurance rates based on your selected criteria. The life insurance rates are displayed from lowest to highest price. Top Quote Life Insurance will do our absolute best to get the policy at the rate you have requested.
Live Agent Confirmation
Once we have received your initial request to apply for coverage, a licensed agent will contact you within 24 hours to verify the plan type you have selected and complete your application. Our agents will make sure you fully understand the type of coverage you have selected and make sure you know how it works.
Free Medical Exam
If your life insurance coverage requires a paramedical exam, we will arrange to have a licensed examiner contact you to schedule a date to complete your exam, at your convenience. The paramedical exam is paid for by the insurance company you are applying with and is at no cost to you. The paramedical exam plays a very important role in your risk classification.
HERE ARE A COUPLE TIPS TO REMEMBER PRIOR TO YOUR EXAM DAY:
- Try to fast 8 – 12 hours prior to exam
- Avoid foods high in salt or fat
- Drink plenty of water prior to exam
- Coffee prior to the exam is ok, but keep it plain no sugar or cream
- No alcoholic beverages 24 hours prior to exam
- Get plenty of sleep prior to the exam
Your one-stop online guide for life insurance quotes. Get free quotes now!
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No Hassle Application Process
Once you have received your life insurance application for the company you have requested, please review the application and complete all highlighted areas and sign at the “x’s”. Your completed application can either be mailed with the provided postage-paid envelope, faxed, or emailed.
Status Updates During the Underwriting Process
Once your paramedical exam has been completed and your completed application has been received we will forward it to the underwriters to begin the underwriting process. During the underwriting process, we will keep you updated through the process and contact you if the insurance company needs any further information. Upon approval, we will call you to let you know you were approved.
Once approved, you will be required to submit some delivery requirements to place your policy into force. These requirements will be emailed, faxed or mailed to you, whichever is more convenient for you. Once the delivery requirements are submitted, you will receive your policy in a matter of a few days. Once your application has been received the average time for approval and policy delivery is 4 – 6 weeks.
Read more: Buying Life Insurance: What You Need to Get a Life Insurance Policy
Your Life Insurance Application has Been Approved!
If for some reason your life insurance application is not approved as applied for, we will ask if you would like for us to shop it with one of our many other companies. Life insurance carriers all underwrite differently, so there is a very good chance that you may be able to get a better rate or even a lower premium with one of the other carriers based on your newly approved risk class. You should not need to take a new paramedical exam but we will need you to complete a new application for the new life insurance carrier.
Looking to compare life insurance policies? We can help. Enter your ZIP code to get free quotes from multiple insurers.
Your one-stop online guide for life insurance quotes. Get free quotes now!
Secured with SHA-256 Encryption
Kalyn Johnson
Insurance Claims Support & Sr. Adjuster
Kalyn grew up in an insurance family with a grandfather, aunt, and uncle leading successful careers as insurance agents. She soon found she has similar interests and followed in their footsteps. After spending about ten years working in the insurance industry as both an appraiser dispatcher and a senior property claims adjuster, she decided to combine her years of insurance experience with another...
Insurance Claims Support & Sr. Adjuster
Editorial Guidelines: We are a free online resource for anyone interested in learning more about life insurance. Our goal is to be an objective, third-party resource for everything life insurance-related. We update our site regularly, and all content is reviewed by life insurance experts.