Applying for Insurance Coverage

What to expect.

We make your experience of applying for insurance coverage simple and convenient. After you have filled out the insurance application, some additional information may be necessary for the underwriting of your application. This depends on the type of product you selected and the amount of coverage you requested.

A medical history interview over the telephone.

An experienced medical interviewer will call you for a 15- to 20-minute phone interview a few days after we receive your application. The interviewer will ask you questions about your medical history and may ask you to confirm other information, such as your income and occupation.

For the interview, you'll need:

Your Social Security number
Name, address and telephone number of your primary physician
Names of the medications you regularly take

A paramedical exam may be required.

If you are asked to schedule an appointment with one of our preferred examiners, he or she will come to your home or office at a time that is convenient for you. The examiner will measure your height, weight, blood pressure and pulse. You may also be asked to provide a blood and urine specimen and/or to take an electrocardiogram.

Your medical history is confidential.

We respect your privacy. Any information you give over the phone and/or during the exam, and information sent to us from your physician is part of our confidential underwriting process.

Underwriting decisions are made as soon as the necessary information is received.

We know how important it is to get the coverage you need in place. We will contact your financial professional as soon as there is a decision about your application.