• The Life Insurance Application Process

  • Applying for life insurance doesn’t have to be complicated. With Protective Life, you can handle the entire four-step process anywhere, even from the comfort of your own home.

    Apply Online

    Start by filling out a quick application form online or by calling us. In your application, you’ll list some basic personal information like your age, gender and your state of residence. You’ll also pick a beneficiary – the person(s) or entity who’ll receive the death benefit from your policy if you die while insured.

    Phone Interview

    Once your application is submitted, we’ll schedule a phone interview to discuss your medical history. This call usually takes about 25 minutes to cover all the necessary information needed to make an insurance decision. For your convenience, a list of the information needed for the interview will be provided.

    Paramedical Exam

    In addition to the interview, you’ll also need to take a paramedical exam to determine your eligibility for coverage. You can select the time and place for this examination. The paramedic will perform a few quick health tests like checking your blood pressure, recording your height and weight and drawing samples of your blood and urine.

    Underwriting Review

    We’ll review your information to determine your qualification for insurance coverage. A premium quote will be provided for you so that you can decide whether or not to purchase life insurance with our company. The application process from start to finish takes roughly four to six weeks.

  • Understanding the Process of Buying Life Insurance.

    So many things in life happen instantly for us, and so the process of getting a life insurance policy can seem complicated. It’s important to understand what is happening at each stage of the process and how that can benefit you. Our goal at Protective is to provide that information so that you’re comfortable with the process.
    Why a Medical Exam?
    Your health can greatly impact the cost of your coverage. The better your health, the better your chances of getting a lower cost policy. That’s why insurers want to understand your health and lifestyle during the underwriting process.
    Insurability.
    People often ask why someone should get life insurance early in life. The answer is future insurability. Typically, the younger and healthier you are, the lower your cost of insurance could be and the easier it is to become insured. Then, as you continue paying your premiums, you remain insured for the term of the policy – or for a lifetime if you buy a type of permanent insurance. So while it’s never too late, it’s never too early to evaluate your life insurance options.
    Creating Your Plan.
    Protective’s experienced agents will help you understand your life insurance options and create a plan that works for you by taking the time to understand your unique needs. You’ll rest easy knowing you’ve got the right coverage to help you protect tomorrow for your family. To find a licensed Protective Life agent or get a free life insurance quote, call 1-844-733-5433, Monday through Friday, 8 a.m. to 10 p.m. EST and Saturday 10 a.m. to 2 p.m. EST, or get your quote online now.