Apply for Life Insurance

1. Choose from one of our top rated carriers- rated A or higher by AM Best.

2. Complete application-we can complete it over the phone with you or mail it to you and you can complete it at your convenience.

3. Complete a brief exam at no cost to you- a nurse can come to your home or office- exam usually consists of a few medical questions, blood draw, and urine sample- usually takes about 20 minutes -we have several carriers that are not on this website that require no exam (rates are higher, but approval is fast).  If nothing else comes of your decision to get life isurance, at least you will get a freee blood pressure, cholesterol, and HDL ratio screening

4. We then send your application and exam results to the insurance company.

5. It usually takes about 4-8 weeks for the insurance company to make an offer.

6. We will then mail the policy to you. You have around 20 days to decide if you want to keep the policy.  If you're totally satisfied, you would then pay your initial premium.

7. You become one of our many satisfied and happy clients!  This is just the beginning, not the end!

Life Insurance is now affordable!

Becaust term life insurance has become so affordable, anyone with making an average income with a family should have at least $250,000 worth of coverage on at least one income earner, and preferably on both.  If you haven't already run a quote, you will be pleasantly surprised by how affordable it is.  If you need additional reasons, consider the following:

Life insurance won't keep people from dying.  It will keep their plans from dying with them.

You don't buy life insurance because you are going to die.  You buy it because someone is going to live.

No one has gone bankrupt because they purchased an insurance policy.  But many families and businesses have gone bankrupt because someone has not.

Premiums are not the problem; they are actually the solution to the problem.

Premiums are the price you pay for loving somebody.