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Technology is an incredibly effective tool
(When used correctly). So knowing the
"ins" and "outs" "hoops" and "hurdles" "Caveats" and "Nuances"
are CRUCIAL when applying online for virtually anything: - Credit Card Applications with Instant decision offers
- Mortgage Loan Applications which offer instant Pre-Approval Letters
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Life Insurance Applications which offer Instant Decision/Simplified Issue offers
There are many algorithms to calculate your "Risk" to a life insurance carrier. YES: Applying Online can save you time, but at what expense?
Completing an application with any online platform that markets "Instant Approvals" without knowing the the insurance companies "Appetite for Risk" may be the reason you risk any of the of the following outcomes: Getting APPROVED, but at a higher "Risk Class" resulting in Higher Premium over the life of your policy. -
Issuance of an Impromptu DENIAL, and having the decision logged in a national centralized database (APCD, NAIC, MIB).
Getting an Instant Approved (Best Health Classification) (Most Favorable Outcome on traditional Term)
What is considered "APPROVED", "ACCEPTABLE RISK CLASS" with one insurance company can also be where the line is drawn and can be classified as a "DENIAL", "HIGH RISK CLASS: DOES NOT MEET CARRIER GUIDELINES" .
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Let our experience work for you to make sure you apply for the coverage with the right carriers, The FIRST time. ACESS TO TOP LIFE INSURANCE CARRIERS & UNDERWRITERS |
Complete the following form below and you will have access to the top five platforms to apply for your Life Insurance coverage to improve your chances for the most competitive premiums and optimal coverage.
Still not sure or want our team to shop the best coverage for you? we highly encourage you to complete the form below. |