About Us Contact Us 678-468-5163 Privacy

Low Cost Senior Whole Life Insurance

Get A Free Quote & Rx Card

Easy Phone Application - Quick Approval

Licensed Life Insurance Agents. Call 678-468-5163

Appointments: Mutual Of Omaha, AIG, Gerber, American National, Cigna.

How to apply for your whole life insurance policy.

Applying for a whole life insurance policy with Senior Care Life is very simple. First step is to fill out  the quote request form above. Then one of our licensed life insurance agent will call you and ask you a few questions to determine the right policy type for you.

We need to speak with you to determine the right policy quote for you based on your health condition. You can Call 678-468-5163 to speak with a Licensed Agent if you have questions. 

Because at Senior Care Life we have 2 Types Of Whole Life Insurance Policies

  1. Level Benefit: Health Questions Required To Qualify (Best Rates – NO Waiting Period) 

  2. Guaranteed Acceptance: NO Health Questions Required To Qualify. (For people with major health issues – has waiting period)

If you are happy with the quote given to you, the agent will proceed to fill out the application with you over the phone. The agent will ask you the required health questions if you are doing a level benefit policy. Please be very truthful when answering the health questions on the application. As if the Medical Information Bureau file tells a different story than you did on your application, all you’ve really done is make the insurance underwriters suspicious and deny your coverage. If you are doing a Guaranteed Acceptance Whole Life policy there is no health questions required. So this is a very short application. The agent will email or post mail you the application for your review and signatures. No agent will visit you as all applications are done over the phone. 

The quickest way to submit your application is to do an eApplication. With this process the insurance company will send you an email with a link to view your completed application on their secured server and ask you to apply your electronic signature. Once completed, your application will be immediately submitted to the insurance company.

If your application has been post mailed to you, you will need to review the application, add the missing information such as your social security number and payment information. Then post mail or fax the completed application to the agent. Your received application will be signed by the agent and submitted to the insurance company on a secured fax line for processing.

Once your application has been submitted to the insurance company, the agent will call you to confirm that your application has been submitted. The agent will contact you and inform you of any new updates on your application. The application process usually takes about 4 to 5 days. Once your application has been approved, the insurance company will email the agent to confirm the approval. The agent will call you to confirm that your application for life insurance has been approved. Within 10 business days after approval, the insurance company will then post mail to you, your Whole Life Insurance Policy Statement Of Insurance (policy packet) for your confirmation and record keeping.

If you are denied coverage on a level benefit policy, we will recommend another insurance company that will most likely approve your level benefit coverage.  Keep in mind that we do have Guaranteed Acceptance Whole Life Policies available. With our GA policies you cannot be denied life insurance coverage for any reason.

Sorry, comments are closed for this post.