The process
Four steps, and none of them involve a surprise appointment
Most people go from first question to policy in hand in under three weeks. Here is exactly what happens in between, including the parts that take longer than anyone would like.
- 01
Tell us the situation
About 15 minutes
A conversation, not an interrogation. What you owe, who depends on your income, roughly what your health looks like, and what worries you at two in the morning. No paperwork, no application, and no obligation to do anything after it.
- What we ask: mortgage balance, income, dependents, existing coverage, health history in broad strokes.
- What we do not ask: your social security number, your bank details, or anything else you would not tell a neighbor.
- 02
We shop it properly
One to two business days
Being independent means your file goes to the companies most likely to treat it well rather than the one company an agent happens to work for. If your health history is complicated, this step is where most of the value lives, because carriers underwrite the same condition very differently.
- For complicated cases we can run an informal inquiry first, so you are not creating a record of declines.
- You see the options side by side, with the differences in riders and guarantees explained, not glossed over.
- 03
You apply once
30 to 45 minutes
One application, to the company that fits. Many applicants now qualify for accelerated underwriting, which means no nurse visit and no lab work. Everything is done electronically from wherever you are, and if you would rather sit down together on Long Island, that can be arranged.
- Accelerated underwriting decisions often come back in 24 to 72 hours.
- Fully underwritten cases run three to six weeks, and most of that is waiting on your doctor’s office.
- 04
It stays reviewed
Ongoing
The policy arrives, you put it somewhere your family can actually find it, and we check in when your life changes rather than when a quota does. New child, new mortgage, new job, divorce, or a permanent policy with cash value all warrant a look.
- Permanent policies with cash value should be reviewed annually, without exception.
- If a claim ever happens, your family calls us and we walk them through it.
Just as important
What we will not do at any point in this
No pressure to decide on the call
Nobody buys well under pressure and nobody keeps a policy they were talked into. Take the information and think about it.
No selling your information
Your details are used to help you with coverage and nothing else. They are not sold, traded, or handed to a lead buyer.
No leading with the product that pays best
If term is right for you, we will tell you term is right for you, even though permanent coverage pays an agent considerably more.
No disappearing after the sale
The same phone number works in five years. That is the entire difference between an agent and a transaction.
Be ready
What to have in front of you
None of it is required for a first conversation, but having it speeds everything up considerably.
- Your most recent mortgage statement, for the current balance
- Rough annual income for everyone contributing to the household
- A list of current medications with dosages
- The names of any physicians you see regularly
- Details of any life insurance already in force, including through work
- Who you want named as beneficiary, and a contingent
FAQ
Process questions
01How long does the whole thing take?
Accelerated underwriting can produce a decision in 24 to 72 hours. A fully underwritten application typically runs three to six weeks, and most of that is waiting on medical records from a physician’s office. You are covered from the effective date on the policy.02Do we have to meet in person?
Only if you want to. Everything from the first question to the electronic signature works by phone and email. Plenty of clients across Nassau County, Suffolk County, and the rest of Long Island prefer to sit down together, and that can be arranged.03What if I change my mind after applying?
You can withdraw an application at any point before the policy is issued, at no cost. After it is issued, New York requires a free look period during which you can cancel for a full refund of premium. The exact length is stated on the first page of your policy.04What happens if I get declined?
We look at the reason, and then we look at which carriers treat that reason differently. A decline from one company is a data point about that company’s underwriting manual. There are usually options, including simplified issue and guaranteed issue products, and you will be told plainly which kind you are being offered.
Next step
Let’s find out what you’d actually pay.
A short conversation, real numbers from multiple carriers, and no obligation at the end of it. Most people are surprised how quick it is.
No cost, no obligation, and your information is never sold. Monday to Saturday, 9am to 8pm ET.