• What to Expect When Applying for Life Insurance

    This step-by-step guide will help you take care of those you love.

    1Get a Quote

    We'll help you estimate how much your coverage might cost

    First, consider how much insurance you need

    • How much debt do you have?
    • Will your kids need money for college?
    • Will your family need to replace your income?

    Don't worry if you can't afford it all right now

    • Get a little now
    • Add additional coverage later


    We'll help you consolidate and submit your information

    Applying online is one of the fastest, easiest ways to get started protecting your family.

    All you need to do is

    • Enter your information
    • Submit your beneficiaries' names
    • Designate the percentage each beneficiary would receive


    We'll talk to you - at your convenience

    You can call us or we'll call you

    A quick interview will verify some specifics

    • Your medical history
    • Your personal information
    • Your next steps

    You can still make adjustments

    • At this point, based on your detailed information, the initial estimate for your premium may change
    • If changes to your estimate send your premium over your budget, you can lower the amount of coverage you originally requested to bring your payment back in line

    You'll need specific information for our call

    • Your Social Security* and driver's license number
    • Contact information for your doctor(s)
    • Information on prescriptions or medical treatments —past, present, or planned

    4Health Checkup

    We'll make a house call

    You don't even need to make a trip to the doctor. Our medical representative will come to you.

    And we'll do all the work

    A quick visit confirms your health and vitals and gets your application moving.

    Health Checkup

    Finalize Your Policy

    We'll help you protect the ones you love

    Once your application review is complete, we'll notify you

    • You'll receive all documentation electronically
    • You can print your complete policy for your records
    Finalize Your Policy

    Looking Ahead

    If you ever have questions or need to make any changes, you'll be able to do so 24/7 on our convenient online member portal.


    Call our Member Advisors at