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STEPS FOR A QUOTE

STEP 1: Enter Info in form below
   STEP 2: We shop you with our various companies
      STEP 3: We provide you with a quote

    COMPLETE FOR THE PERSON COVERED

    General Info

    Marijuana, Tobacco & Drug Use

    Medical Background

    Do you/have you had:
    1. Existing and Prior Medical Conditions and Diagnoses (e.g. cancer, heart or other organ diseases or disorders, diabetes, seizures, lupus, MS, Parkinson’s Alzheimer’s, brain or nervous system disorders, asthma or other lung disorders, ADD/ADHD, depression, other mental or emotional disorder, alcoholism, drug abuse, skeletal issues, etc.)
    2. Hospitalizations in the last ten years?
    3. Tested positive with COVID in the last 12 months?
    4. Upcoming surgeries or appointments that may change health status of above answers?

    General Background

    Picking the Right Policy Type

    Other Info

TYPICAL BUYING PROCESS

Buying a life insurance policy through an independent insurance agency involves several steps that help you identify the right coverage for your needs and preferences. Independent agencies work with multiple insurance companies, offering a wide range of policy options to choose from. Here's a typical buying process for a life insurance policy through an independent insurance agency:
  1. Initial Consultation:
    • Identification of Needs: Your first step is to discuss your financial goals, family situation, and insurance needs with a licensed insurance agent. This conversation helps the agent understand your unique circumstances.
  2. Needs Analysis:
    • Financial Assessment: The agent will conduct a comprehensive financial assessment to determine how much life insurance coverage you may require. Factors considered include your income, debts, future financial goals, and any outstanding loans or obligations.
    • Health Evaluation: You may be asked to provide information about your health, lifestyle, and medical history, as this can impact the type and cost of your life insurance policy. In some cases, a medical exam may be required.
  3. Quote and Policy Selection:
    • Market Research: Based on the information gathered, the independent agent will research and compare policies from various insurance companies to find the best options that match your needs and budget.
    • Quote Presentation: The agent will present you with multiple life insurance quotes, outlining the policy features, benefits, premiums, and any riders or optional coverages available. You can review and compare these options to make an informed decision.
  4. Customization and Recommendations:
    • Policy Customization: Based on your preferences and budget, the agent can help you customize the policy by adjusting the coverage amount, policy duration, and riders (such as a waiver of premium or accelerated death benefit).
    • Recommendations: The agent will provide recommendations and guidance on which policy aligns best with your financial goals and circumstances. They may explain the advantages and disadvantages of different policies to help you make an informed choice.
  5. Application Process:
    • Completing the Application: Once you've decided on a policy, you'll need to complete a formal application provided by the insurance company. The application will require you to provide personal information, including medical history and lifestyle habits.
    • Underwriting: The insurance company will review your application, and if necessary, they may request a medical exam or additional documentation. The underwriting process helps determine the final premium rate and policy approval.
  6. Policy Issuance:
    • Policy Approval: After the underwriting process, the insurance company will either approve your policy as applied for or offer modified terms if there are health or risk factors involved.
    • Policy Delivery: Once your policy is approved, the independent insurance agency will facilitate the delivery of your policy documents, which will include your coverage details and payment instructions.
  7. Policy Review:
    • Review with Agent: It's advisable to have a policy review with your agent to ensure you understand all the terms and conditions. Any questions or concerns can be addressed during this step.
  8. Payment and Activation:
    • Premium Payment: You'll need to make your premium payments according to the schedule outlined in your policy. Payment options may include monthly, quarterly, semi-annual, or annual payments.
    • Policy Activation: Your coverage becomes active once the initial premium payment is received and processed by the insurance company.
  9. Ongoing Support:
    • Claims Assistance: In the event of a claim, your independent insurance agent can assist you or your beneficiaries with the claims process, ensuring a smooth and efficient experience.
    • Policy Review and Updates: Periodically, your agent may recommend reviewing your policy to ensure it continues to meet your changing needs and circumstances. Adjustments or updates can be made as necessary.
Working with an independent insurance agency offers the advantage of choice and personalized service. Independent agents can help you navigate the complexities of life insurance and select a policy that aligns with your goals and budget while considering multiple insurance providers to find the best fit.