I want to hear about you, learn about your family, your story and why you are considering insurance. From here, I will offer information on insurance options that may meet your needs and goals. As I begin to understand your circumstances and story, I will share my sense of what options would be in your best interest long-term.
When you have had a chance to process the options that most interest you, I will then gather the information needed to put together the right quotes and or people. This can sometimes happen during the first phone call or in a subsequent call.
We discuss and review the specific details of your preferred policy options including what the cost and/or investment will be. Depending on where you live this can either be in person or over the phone.
We will fill out a questionnaire together. Depending on what you want to apply for we need anywhere from 30 – 60 minutes to complete your application. This usually happens over the phone.
The insurance company may need to send a nurse to gather samples from you, for example, blood, urine and blood pressure. As well, they may need a doctor’s report if there is any medical concern. This part of the process can increase waiting times if we are waiting for you to schedule with the nurse (who will come to you at your most convenient time and place) or if we are waiting for a doctor to fill out paperwork requested by the insurance company. Sometimes further medical tests can be required, and applications are on hold until such tests are completed.
A decision is made by the insurance company about whether you are insurable as well as what premiums you will pay. I receive the policy from the insurance company and give it to you to sign. This can be in person or via email.
Once you accept your policy your premium payments begin. Your first payment will be calculated from the day you were accepted for insurance.
