Horizon Experience FAQ
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How does a client apply?
Our digital application is the quickest, easiest method to apply for life insurance. It offers the best chance for an accelerated, lab-free experience.
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Do I need to use my office PC?
Nope, you can complete the application or access our self-service portal from your smartphone, tablet, or laptop.
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How long does an application typically take?
It shouldn’t take longer than about 20 or 30 minutes total to complete, depending on which digital application method you choose.
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Who can qualify for accelerated underwriting?
Men and women age 20 through 60 years old, up to $4M coverage, any term duration.
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What if my client isn’t in perfect health?
With Preferred Plus, we can consider clients who occasionally smoke cigars and cannabis, live with high cholesterol and hypertension, or have non-melanoma skin cancer. With Preferred, we can even consider clients with well-controlled depression and anxiety, well-controlled asthma, and mild sleep apnea.
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How do I know when a client completes an application?
You will receive an email as soon as they hit “Submit.”
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What happens if a client isn’t initially approved lab-free?
Our Lab Lift program is automatically included as the next step. It substitutes electronic health records (EHRs), an attending physician statement (APS), or recent lab results for a paramedical exam so your client can still receive an accelerated underwriting decision.
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Is my client likely to receive instant underwriting approval?
More than 30% of cases receive an instant decision. If not, they automatically proceed to accelerated underwriting. Most cases we receive are approved without the need for any additional exam or lab work.
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How do I check the status of my client’s application?
Just log into Application Manager through Partner Dashboard or check for case status from our electronic status feeds. You will also receive a notification whenever an underwriting decision is made.