Purchasing life insurance 20 years ago is way different than it is today. When I purchased my life insurance policy it was face to face with an insurance agent that came to my house and an examiner who came and took my blood and did some measurements and the whole process took about three months to complete. Today obtaining life insurance is usually different experience, it is the best of both worlds, while you can still do the face to face interactions if you prefer, life insurance companies have made the jump to offering online applications for the people who prefer the less time-consuming process.
The online application requires little information to start, usually name, date of birth, address, phone number, social security number, once this has been securely and electronically submitted, the insurance company will follow up with a phone call or email to obtain the more in-depth questions pertaining to your health, work and beneficiary information. This information will help the underwriter determine if they can make an offer within a few days or if they will require a paramedical exam to be completed at the home or medical office where they will take blood and urine samples.
The overall process in todays timeline can be days or a few weeks rather than months. That being said there is an abundance of companies online and lots of confusion for people who don’t know why you need life insurance and how to figure out the correct amount of life insurance needed. It helps to have an independent insurance agent who can help walk you through multiple companies and what they have to offer so that you find the life insurance policy that works best for you and your family. We at Pacific Insurance Group are here for you to answer those questions, offer you free life insurance quotes and help you obtain the correct amount of life insurance. Please visit our website www.pacificinsurancegroup.com or give us a call today 425-246-4222 and let us help you with your life insurance needs.