Option 1 - questionnaires
Questionnaires on particular impairments provide a quick and easy way to get a ballpark quote for you. This is a great approach for an initial assessment of what you can expect to pay for life insurance.
This method provides a quick turnaround and is best utilized on small premium cases (under $5,000 annual premium). Tentative offers are commonly obtained in 24-48 hours. Completed questionnaires can be faxed to our offices at 877-224-0477.
Option 2 - "Data Source"
Using our "Data Source" is the trial application approach which allows us to work with insurance companies to find out the best way to approach your case. Oftentimes medical records are requested from the client's doctors and then reviewed by the underwriters to provide an initial assessment on the case. The offers obtained using this method are much more accurate, however this approach is more time consuming because medical records are not always supplied in a timely fashion and underwriters take longer to respond due to the complexity of the case. This method is best suited to high premium cases or for clients with extensive medical histories. Tentative offers are generally obtained in 1-2 weeks after all medical records have been received.
DATA SOURCE
A fully completed "data source" can be faxed to our office toll free at 877-224-0477.