It’s how insurance companies decide your premium. Think of it like a background check for your life insurance. They’ll look at things like your age,

It depends! Every application is different. Here’s what affects the time: If you’re young and healthy, and you’ve answered everything clearly, approval can happen within

Think of them like a checklist insurance companies use to figure out your rates. These guidelines are different for each company and depend on things

Nope, not at all! It’s just a way to see if you qualify for coverage. Once you’re approved, you can review the policy and decide

If the insurance company needs a bit more information – maybe about a past illness or something on your application – we’ll reach out and

We understand that everyone’s health journey is different. If you have a pre-existing condition, it’s okay. We work with a variety of insurance companies and

Depending on the amount of coverage and your health history, the insurance company might want a bit more detail. This could mean checking your medical

The tests you’ll need depend on a few things, like your age and how much coverage you’re applying for. We’ll let you know exactly what’s

A paramedical is like a mini health check-up. It usually includes: Sometimes, you can do this over the phone instead of in person! It’s called

It’s a simple chat with a health professional to get a better understanding of your overall health:

Think of an APS as a note from your doctor. It’s a simple summary of your health history, including any visits to specialists, past surgeries,

A policy rating is an additional percentage that is applied to your premium. It’s a way for insurance companies to adjust your rate based on