Apply
Life Insurance
Traditional
TEMPORARY
Term
PERMANENT
Guaranteed UL
CASH VALUE
Indexed UL
Instant Decision
-
Eligible clients can get an immediate medical decision and offer. If approved, proceed straight to issue— the fastest path to coverage.
Who may be eligible:
- Age 18-60
- $2 million or less
- No major impairments
- US residents
- Individually owned policies
-
Clients that don’t get an instant decision may still be able to get a decision in days— weeks faster than traditional underwriting.
Who may be eligible:
Age 18-60
$2 to $3 milion
Some medical impairments
Foreign nationals
Business or trust-owned policies
-
Some applications need more thorough review. In such cases, a dedicated team of underwriters will conduct the review— no need to re-apply.
Who may be eligible:
-
Age 60+
-
$3 to $20 million
-
Significant medical impairments
-
Whole Life
Guaranteed Cash Value
Dividends
Full Underwriting
Final Expense
Fixed Premium
Limited Medical Questions
Lower Coverage
