What to Know Before You Begin

What to Know Before You Begin

  • We are an Independent Brokerage, contracted with ALL the top companies.
  • State Insurance Commissioners require consumers to purchase insurance through a Licensed Agent.
  • We are paid commissions by the companies that have no bearing on your price
  • Agents have no influence over rates–they are set very strictly by the company and will be the same no matter who your Agent is.
  • To qualify for the very best prices, companies require Medical Underwriting which usually includes an Exam.
  • The Examination is very quick and easy whereby a Medical Examiner comes right to your home to collect specimens, vitals, and a Medical History form.
  • The Insurance Company pays for the cost of the exam whether you accept a policy or not, and there are no other charges associated with the application
  • Average underwriting time can take anywhere from 2-6 weeks (a few companies offer an expedited process that could take just a few days)
  • Upon approval, one of our Agents will review it very carefully with you over the phone and explain in detail the Rate Class you received, and reasons for a higher rating, if applicable
  • You will have the opportunity to review your Life Insurance Contract before you decide to accept and remit payment to put in force
  • We can use a SINGLE exam to apply to as many companies as we need to in order to make sure we find you the very best rate.
  • Our Pledge to you is that we will not stop working until we have exhausted all resources to ensure we have found you the absolute very best offer in the market.