Applying for Coverage

Getting started is easy

We make the experience of applying for insurance coverage simple and convenient. After you fill out your insurance application, additional information will be necessary for underwriting. The particular information requested depends on the type of product selected and amount of coverage requested.

What to expect when you apply for insurance coverage

Two ways to provide medical history.

Now you can provide medical history information either by an online medical underwriting questionnaire or through a telephone interview. For both options you will need:

  • Your social security number
  • The name, address and telephone number of your primary physician
  • The names of medications you take regularly

Online medical underwriting questionnaire – New!

You can complete an online medical questionnaire when and where you want. If this option is selected, a link to the questionnaire will immediately appear in the Alerts section of your account and you can get started. Additionally, you will be sent an email with a link to your secure site on along with instructions.

A medical interviewer will contact you.

If you prefer, a few days after we receive your application, an experienced medical interviewer will call you to discuss your medical history.

A paramedical exam may be required.

If you're asked to schedule an appointment with one of our preferred examiners, you can go to their facility or they 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. They will also collect a blood and urine specimen and, in some cases, you may be asked to take an electrocardiogram (ECG).

We keep your medical history confidential.

We respect your privacy. Any information you or your physician provide becomes 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. We'll contact your financial professional as soon as there's a decision about your application.