The whole process,
one conversation deep.
One call with a licensed agent, backed by AI-assisted comparison across 40+ A-rated carriers. In English, Spanish, or Portuguese.
Three steps. One agent on all of them.
Talk to a licensed agent
About 20 minutes. You talk about who you’re protecting and what fits your budget; your agent listens before quoting anything. Want a head start? See how much coverage you need first.
We compare 40+ A-rated carriers
AI-assisted quoting reads 40+ A-rated carriers in seconds. Your agent reviews the results and walks you through the two or three that actually fit, across every coverage type we offer. Product and carrier availability varies by state.
Apply with your agent guiding every step
No portal to figure out alone. Your agent completes the application with you, explains what the carrier will ask, and stays on the file until the carrier decides. You always know where things stand.
What happens after you apply.
Four things. That’s the whole list.
- Basic information: name, date of birth, and contact details
- Honest health answers. Accuracy now is what protects the claim later
- Beneficiary choices: who the policy pays, and how it splits
- About 20 minutes on the phone
Most applications need no documents at all. If the carrier asks for anything else, your agent tells you exactly what and why.
What can slow an application down.
- Incomplete forms. A missed signature or a blank answer sends the file back
- Carrier requests, like medical records from your doctor, which can add weeks
- Exam scheduling, when the quote uses an exam path and calendars don’t cooperate
This is why the agent matters. We check the file before it goes out, track every open item, and chase the carrier when something stalls. You get a call with the status. You never chase the paperwork yourself.
Asked before applying, answered straight.
How long does the whole thing take?
Same-day to a few weeks, depending on the path. Simplified, no-exam policies can be decided the same day or the next business day. Fully underwritten cases with exams or medical records take longer. Your agent tells you which path your quote uses and sets the expectation before you apply, not after.
Do I have to take a medical exam?
Often, no. Many policies today use simplified underwriting: health questions and a records check, no needles. Larger coverage amounts and certain carriers still request an exam, and sometimes that path earns a better rate. Your agent lays out both options upfront so nothing surprises you mid-application.
What if I’m declined?
One carrier’s no is not the final answer. Underwriting standards differ, and a decline at one carrier is often an approval at another. Your agent re-shops the case across the rest of our 40+ A-rated carriers and comes back with what’s realistic. Coverage is always subject to each carrier’s underwriting.
Does any of this cost anything?
No. Quotes, comparisons, and application help are free. If you buy, the issuing carrier pays our commission. Your premium is a state-filed rate, the same price whether you apply through us or go to the carrier directly.
Start the conversation.
(833) 997-6934 · M–F, 9am–8pm ET. Hablamos español. Falamos português.