1. Start your application
After a short quiz to personalize your experience, you’ll complete an online application (most people finish in about 10 minutes). You’ll be asked about your:
Personal information
Work and lifestyle
Health history
This helps us understand your individual risk and determine your eligibility and pricing.
2. Underwriting review
Once you submit your application, it goes through our underwriting process. This includes:
The information you provided
Data from trusted third-party sources you authorize, such as:
Medical Information Bureau (MIB)
DMV records
Pharmacy history
Consumer reporting agencies
Public records
3. Get a decision
From there, a few things can happen:
Instant decision: Some applicants receive an offer right away—no exam or additional information needed
Not eligible: In some cases, we may determine you’re not eligible and will share alternative options
Additional review: Your application may be reviewed by an underwriter for a final decision
4. If more information is needed
If your application requires further review, we may ask for:
Follow-up questions
Identity verification documents
Medical records
A health exam is required for:
Coverage amounts over $1.5M, or
Applicants age 60 and older
For some applications under review, an exam may also be requested by the underwriting team. If an exam is needed:
It’s free
A licensed professional will meet you at home or work
It may include a brief exam, medical questions, and a blood draw
5. Final offer and purchase
Once we have everything we need, we’ll provide a final decision. If approved, you’ll:
See your final price before purchasing
Be able to adjust your coverage amount or term length
Have 60 days to accept your offer (30 days for coverage of $3M or more)
If your offer expires, you’ll need to reapply for coverage.