10 December, 2020

How do I apply for Next Term Life?

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First, determine with your Financial Professional how much life insurance you need. Then, get a quote (estimated price based on your health rating), and fill out an application. Once you’ve submitted your application, we’ll call you for a health check telephone interview, which usually takes about 30 minutes and includes basic questions related to your finances, personal health, and family health history. The interview helps us determine whether we need any additional information, which could include a medical exam. If we do order a medical exam, we try to make it as easy as possible and send a health professional to a place of your convenience upon choosing the date, and time. Once we’ve obtained all of the required information, we’ll begin the underwriting process — this means we’ll review everything and let you know if we can offer you coverage. Assuming you are insurable, we’ll finalize your health rating and premium amount, and email your policy documents for the final signature.