Choosing the right Term Life Insurance Plan can be a confusing and frustrating process. 
Professor Quotewise would like to help you select the right policy with the least amount of effort on you part. 

THE FOLLOWING 4 STEPS ARE NEEDED TO APPLY:

1.  Choose the company or companies you wish to make application to.
     (If you are not sure, we'll be happy to discuss this with you.) 

2.  Call us at 1-800-990-TERM (8376), e-mail us at or fax us at (815) 777-8473.

3.  An application will be mailed to you.  Deposits are optional. All  
     information contained in your application will be held in the strictest of 
     confidence.

4.  * You will be contacted regarding the scheduling of a brief insurance 
     examination
.  This will be completed at no cost to you, at your home or
office,
     weekdays or weekends, by qualified professionals in the medical field.

* A copy of the test results are available to you or your doctor, by 
  simply requesting it, at anytime.  There is no charge for this report.

 

Once your application has been submitted to the insurance company and your brief insurance exam has been completed, your doctor will be paid to complete a statement on your behalf.  This "Attending Physician's Statement" (A.P.S) will be sent direct from the insurance company to your doctor with a pre-payment for his services.  You will be notified if there are any delays in receiving the A.P.S back from your doctor.

You may also be contacted by phone, regarding a routine "Underwriting Inspection".  This inspection generally takes less than 5 minutes and is also paid for by the insurance company.  

Assuming that there are no unusual delays, normal approval time takes 4 to 6 weeks (Do Not Cancel Any Of Your Current Coverage In The Meantime).  Your new policy will be mailed to you within 5 to 10 business days after issue.  Most states allow a 10 to 20 day "Right To Examine Your Policy".  This means that, for any reason you choose not to accept your policy, you can return it to the company or "Professor Quotewise" for cancellation and a full refund of any monies tendered.

Feel free to call us at anytime during the underwriting process for an update on the status of your application. 

Copyright 2000 Professor Quotewise
A Division of Andrew R. Johns & Associates, Ltd.
Last modified: May 05, 2000
E-mail comments: pqwise@pqwise.com
Fax us at: (815) 777-8473
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