How to Apply

Medical history call

A paramedical person will contact you by phone at the time you requested in your application in step 1. Expect the call to take 15-20 minutes.
Important: This is NOT a test. It is simply a transfer of data – your medical history from you, to the insurance company.
Important: Listen to the questions carefully, and answer them fully, comprehensively, and in detail.

Example question: Have you ever had any tests, investigations, injury, treatment or surgery on your eyes?

Answer (correct): I get my eyes tested every couple of years, and have no issues or concerns. I wear glasses. I have not every had any injury, treatment or surgery on my eyes. (Unless of course, you have, and if so, disclose and detail this).
Answer (incorrect): No, my eyes are fine.

Important: The insurance company is trying to accept you, not deny you. We need to give them enough information during the phone call so that they can discard any risk factors. More information and details at this point makes for better, faster applications, and cheaper premiums.

(*) Ages 46-50 for coverage of $500,000 and above, or ages 51+ for all coverage amounts also have a blood/urine test completed by a medical professional in your home - takes about 10 minutes.