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7 Easy Steps!
"America's choice for buting life insurance online!"
Step 1: Smart Look -

Please read the smart look section on the home page: (Top-Rated Companies & Lowest Prices!, Factors to consider when comparing policies, How your insurance premiums are calculated & Insurance Company Ratings Categories.)

Step 2: Shop Plans -

Use our free Instant Term Life Quotes Online Search Engine to compare hundreds of insurance policies from top-rated carriers. Before you make you selections please read the tobacco guidelines & the Health guidelines.

Step 3: Request Application -

Once you request to receive insurance applications forms, a licensed representative from Agency will contact you and send you all carrier specific required forms with easy to follow instructions. The quickest way to receive your application forms is in a pdf. file by email. You may also request traditional mail which takes 3- 5 business days.

Step 4: Physical Exam -

We will have your insurance carriers paramedical examiner contact you and set up a convenient appointment for a physical exam. The physical exam can take place in your home or office, and is performed by a medical professional at no cost to you (the insurance company pays for the exam).

Step 5: Underwriting Process -

All Insurance companies will have their underwriters review your application before issuing your policy. This process typically takes 3-6 weeks depending upon how fast you schedule you paramedical exam and that all additional request are met in a timely fashion.

Step 6: Approval & Delivery! -

Once you are approved by the insurance carrier, we will send you your policy via express mail. We will then receive confirmation that you received your policy.It is that simple & easy to shop online!

Step 7: 30 Day Free-Look -

All Insurance Carriers are required by law to give policy holders a 30 day free-look period to review their policy and give you the option to cancel within this period. Agency deals with only top-rated carriers and we are always available for you to contact us during this convenient process!