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Applying for Insurance

Below is a summary of the steps to apply for insurance. It typically makes sense to apply for any features or amounts of coverage you think you may want, and we can determine the final policy design once we know your medical rating. Only then will we know the costs and if it makes sense to make changes.

See below for the type of insurance you're considering applying for.

Life & Disability Income Insurance Applications

The process of applying for insurance can take several weeks but it’s simple:

  • We’ll determine how much coverage, and of what type, makes sense for your needs and budget.
  • We’ll complete an application online with signatures obtained via emailed DocuSign forms.
  • You may be asked to complete a brief interview by phone with the underwriters to confirm the information on your application.
  • You will typically be asked to schedule a paramedical exam at your home, where a traveling nurse will complete a brief medical exam.
  • The insurance carrier will gather all of this information, along with records from your primary care physician, and assess your insurability.
  • Once we receive a decision from the insurance underwriters, we will work together to finalize the coverage amounts and features of your coverage.

Paramed Exam Prep & Details

Long-term Care Insurance Applications

  • We will begin by determining how much coverage, and of what type, makes sense for your needs and budget.
  • We’ll complete an application online with signatures obtained via emailed DocuSign forms.
  • You’ll then complete a short phone interview, part of which will include some questions to test your memory and assess your risk for things like dementia. They’ll also want to know if you need help performing “Activities of Daily Living”
  • Activities of Daily Living, abbreviated as ADLs, are the following:
    • Ambulating: An individual’s ability to move from one position to another and walk independently;
    • Feeding: The ability of a person to prepare food and feed oneself;
    • Dressing: The ability to select appropriate clothes and to put the clothes on;
    • Personal hygiene: The ability to bathe and groom oneself and maintain dental hygiene, nail, and hair care;
    • Continence: The ability to control bladder and bowel function;
    • Toileting: The ability to get to and from the toilet, use it appropriately, and clean oneself.
  • Because ADLs are a trigger for LTC coverage, any indication of trouble now will likely disqualify you from being insurable.
  • They will also be looking for signs or a diagnosis of severe illness such as heart disease, cancer and diabetes.
  • The insurance carrier will gather all of this information, along with records from your primary care physician, and assess your insurability.
  • Once we receive a decision from the insurance underwriters, we will work together to finalize the coverage amounts and features of your coverage.

We're here to make sure this is a smooth process for you, so please don’t hesitate to ask us any questions that you might have.