The Process
No medical exam for most applicants. No stacks of paperwork. Just a short conversation and a simple application.
We'll quickly assess your needs.
A short, pressure-free conversation. We'll talk about who depends on your income, what debts you carry, and what you want your family to be able to do if something happened to you. Usually 10 minutes on the phone.
Simple, secure, and straightforward.
I'll walk you through a short digital application. Most carriers I work with use accelerated underwriting, which means health questions instead of needles for the majority of healthy applicants.
Most clients are approved on the spot.
Underwriting runs in real time against prescription, motor vehicle and medical databases. Many applicants get an immediate approval. If a case needs a closer look, I'll tell you right away and stay on it.
You're covered—often in about 15 minutes.
You review and e-sign your policy, set up your first payment, and your coverage begins. I'll check in yearly to make sure the policy still fits your life.
Gathering these ahead of time makes the whole thing faster.
Legal name, date of birth, address and Social Security number (used for identity verification and underwriting).
Height, weight, medications you take, and any major diagnoses or surgeries in the last 10 years.
Full names and dates of birth for the people you want to receive the benefit.
A bank account or card for the first premium. Coverage doesn't start until the first payment is made.
Start with a free, no-obligation estimate. It takes about two minutes and there's no commitment.
