Frequently asked questions

Our digital application is the quickest, easiest method to apply for life insurance. It offers the best chance for an accelerated, lab-free experience.

Nope, you can complete the application or access our self-service portal from your smartphone, tablet, or laptop.

It shouldn’t take longer than about 20 or 30 minutes total to complete, depending on which digital application method you choose.

Men and women age 20 through 60 years old, up to $5M coverage, any term duration.

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.

You will receive an email as soon as they hit “Submit.”

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.

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.

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.