You’ve Got Questions–We’ve Got Answers
What if I have health issues?
It all depends on the health issues, there are carriers that we work with that will approve you based on several different issues. It is best to reach out to us directly and we can work with you to find the most affordable policy.
Can my spouse get covered as well?
Absolutely, you can add your spouse to the coverage when you are looking up rates and apply together to save time! Even though you will apply together, you will both have your own policies!
Will I have to do medical exams?
Depending on what product, term and insurer you choose to apply through, there is a chance you may require a medical exam. If this is the case, a nurse will come to your house and take the necessary tests. It all depends on the questions, carriers, and information collected from the Medical Information Bureau (MIB)
What is MIB?
The Medical Information Bureau (MIB) is a central database for insurance carriers to share information amongst themselves regarding clients’ past insurance history. This database will store all your previous insurance history from any other applications that you may have submitted in the past.
How long will it take for my application to be approved?
This depends on the complexity of your health history. If no medical exam is required, the approval turnaround could take between 1 to 3 weeks. However, if you require medical underwriting, and exams are required, it could take longer up to 3 months.