What to Expect Next

What is an e-interview or telephone interview?

Once your pre-application is submitted you will receive an e-mail or call from an experienced, knowledgeable, and courteous representative within 24 to 48 hours to complete your application by the e-mailed link or by phone.

The process will take about 25 minutes to complete. If it is a call, it is not necessary for you to wait for our call. If we are unable to reach you to complete the telephone interview, we will leave a message with our toll-free number for you to return our call at your earliest convenience. Telephone and electronic interviews that are not completed after five e-mail attempts or five messages will be closed and the application can only be reopened at your request, by calling your advisor.

Do I need to prepare for this e-interview or telephone interview?

Yes. During the interview, you will answer some routine questions (name, address, employer, income, etc.) along with several questions about your medical history. To complete the interview as quickly as possible, please have the following information available:

PERSONAL INFORMATION

• Social Security and driver’s license numbers.
• Other existing or pending life insurance policies, including company names, coverage amounts, and policy numbers, if available.
• Type of visa, visa number, and expiration date, if you are not a U.S. citizen.

MEDICAL INFORMATION

• Name, address, and phone number of your doctor(s) and hospital(s).
• Current treatment you receive by any doctor or hospital; including your medications, dosages, and reasons.
• Reasons for past treatment, with date(s).

What happens to the information I provide in the interview?

The information gathered during the interview will be transferred to a formal life insurance application and emailed to you for your review and signature. After reviewing your application, an underwriter may request additional information from other sources, such as a report from your physician to complete the underwriting process. If nothing further is needed you can expect an approval.

Will I need a medical exam?

A medical exam may be requested for tests such as a blood sample and urine specimen. If so, a representative will provide you with this information and set the exam order.