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Life Insurance Basics

The life insurance application process

This article discusses the four steps of Protective's life insurance application process, from filling out the application online to the underwriting review.

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.

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All Learning Center articles are general summaries that can be used when considering your financial future at various life stages. The information presented is for educational purposes and is meant to supplement other information specific to your situation. It is not intended as investment advice and does not necessarily represent the opinion of Protective Life or its subsidiaries.

Learning Center articles may describe services and financial products not offered by Protective Life or its subsidiaries. Descriptions of financial products contained in Learning Center articles are not intended to represent those offered by Protective Life or its subsidiaries.

Neither Protective Life nor its representatives offer legal or tax advice. We encourage you to consult with your financial adviser and legal or tax adviser regarding your individual situations before making investment, social security, retirement planning, and tax-related decisions. For information about Protective Life and its products and services, visit www.protective.com.

Companies and organizations linked from Learning Center articles have no affiliation with Protective Life or its subsidiaries.