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Frequently Asked Questions

Get no nonsense answers to your questions about life insurance.

  • Why do I need it?

    Life insurance protects your family so your loved ones aren’t left with a financial burden if you pass away. A life insurance policy can prevent your family from inheriting big expenses, like a mortgage or student debt. Your family can use life insurance proceeds to pay for child care, fund college tuition, pay for your funeral costs, and cover other expenses. Find out more about how different products can protect you at every stage of life.

  • What kind do I need?

    Every family’s needs are different. Learn the differences between a term life policy vs. whole life policy.

  • How much do I need?

    Use our convenient, free Coverage Estimator to find out.

  • What’s the process?

    We’re committed to making the application process simple, convenient, and no nonsense. Here’s how it works:

    Step 1

    First, your agent will send you an application. Fill in any missing information, or call your agent if you have any questions. Meanwhile, your agent will contact Portamedic, our trusted paramedical exam partner.

    Step 2

    Portamedic will call you to schedule a brief, no-cost medical exam in your home or another location of your choosing. Please make sure your application is complete—you will need to give it to Portamedic on the day of your exam. Learn more about what to expect during this exam.

    Step 3

    Once we receive your exam results and completed application, your application will be thoroughly reviewed and your initial rate class will be confirmed. We will contact you if we have any questions. Then we will begin the underwriting process and make a final decision on your application.

    Step 4

    The underwriting process will begin and a final decision will be made on your application.

    Step 5

    If your application is approved, we’ll send your term policy or whole life policy to you promptly, along with a choice of convenient payment options. Remember, your policy is not in force until we receive your first premium payment. If your application is not approved, we’ll send a detailed explanation and potential next steps.

    If you have any questions about the application process, don’t hesitate to talk to one of our customer service representatives.