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FAQs
Applying for Insurance
How
quickly will an insurance policy become effective?
Based on our experience with the health & life plans we represent,
it takes approximately three to six weeks for an application to be approved.
If you need health insurance right away, you can apply for short-term
coverage that can be approved immediately. Contact one of our licensed
health insurance professionals toll free to learn more.
How
do I get and submit a health or life application?
You should always call a Health & Life Consultant at 1.800.557.8291
to determine which policy is best suited to your needs. We don't sell
applications over the internet. We believe that buying a health or life
insurance policy is a serious event that should be done in consultation
with a Health & Life Consultant.
Who
do I contact if I have a question about my application?
You can contact your Health & Life Consultant at 1.800.557.8291.
How
long before I will receive a status on my application?
In general, you can expect a response in three to six weeks. The time
it takes to receive the status of your application will depend on the
plan you chose. You are encouraged not to cancel any existing health insurance
coverage until you have confirmation of acceptance.
What
if I want to modify my application?
Contact your Health & Life Consultant if you would like to make any
modifications to your policy.
Do
I have to include a payment with my application?
Yes, most of the plans request the first month’s premium be sent
when the application is submitted. Your Health & Life Consultant will
review the payment due and payment options available to you.
Do
I have to take a physical exam?
In some cases, an insurance company or health care plan will request an
exam before approval of a health insurance application. If this is necessary,
the plan will contact you with details.
Do
you offer stand-alone dental, prescription or life insurance coverage?
Yes, we do. Simply call 1.800.557.8291 and a Health & Life Consultant
will be able to help you with your coverage.
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