How Do I Request A Life Insurance Application?
As you review your insurance quotes online, you can compare rates and then request an application for the policy that's right for you. You can start the application process by completing the first portion of the application online or you can contact us by telephone to request an application.
IntelliQuote life insurance agents are available to assist you with the process. All forms associated with the life insurance application can be completed over the phone or in the convenience of your home or office. Completed forms are sent to you for your review and signature.
When completing an application, expect to answer some basic personal background information. For example, in addition to name, address, phone number, and date-of-birth, expect the following personal questions:
- Your height & weight
- Personal lifestyle habits (i.e., smoking, drinking, exercise)
- Personal financial questions such as current and expected income
To avoid any issues throughout the process, it is important to be as accurate and honest as possible on the application. In the event a company discovers that you may have not answered questions accurately, it can increase your premium, reduce the death benefit, or deny a beneficiary's claim to the death benefit.
Typically, after the application IntelliQuote will arrange for a quick medical exam with a paramedical (a licensed healthcare professional contracted by the insurance company) at your home, office or a clinic selected by the insurance company. More information about that process can be found here: What Type of Medical Exam is Required?.
Once your application, medical exam and additional underwriting information have been reviewed, the company will either approve or deny your application for coverage. This process can take days or weeks, depending on if you have submitted a complete application, how long it takes to get medical information from your physician, and other underwriting information. Normal underwriting time for a decision on most life insurance applications is 4-6 weeks.
Get a Quote, compare rates, and request an application for life insurance from one of our highly rated life insurance carriers. The process is quick, simple, and available online.