You qualify for coverage by completing our initial underwriting process, which includes answering some questions about your health history. In most cases, you should receive coverage within 24
to 48 hours of applying, if approved.
Your policy* is initially a blend of two types of coverage. A portion is level premium term life insurance – this pays a death benefit for any cause**
of death. Another portion of the coverage is an accidental death benefit – this pays an additional
death benefit in the case of accidental death.
After the policy is issued, at your convenience, a
paramedical exam will be scheduled.
Based on the results of your exam, the company may adjust the blend of coverage initially provided (e.g., increase the portion of the policy that pays for all causes of death), at no additional cost to you.
You have up to six months after your policy is issued to schedule your optional exam. If you undergo a medical exam and it is then discovered that your health is worse than you knew it to be when you completed your application, your policy benefits as originally issued will not change for the term of years selected. If your health is as good or better than you reported on your application, the medical exam verification may allow you to eliminate or reduce the portion of coverage that pays only in the event of accidental death.