Buying Life Insurance Process

If you raise an eyebrow when you hear about buying life insurance, this page is meant for you. We’ll guide you through each step so you know exactly how simple the process really is.

Step 1: Shop Plans

Use our free Florida Term Life Insurance Quote Engine to search through hundreds of rates from America’s top rated companies. Please remember to use the Find your rate class on the quote form. This will help you better determine the rating class that you will be in. Should you have any additional questions feel free to call us at 888-564-7662 , and a courteous adviser will be happy to answer all your questions.

Step 2: Pre-Underwriting Phase

Once you have a good idea as to the type and amount of insurance you want, and you are ready to proceed forward; we will collect certain information from you and present it to the insurance underwriters as a hypothetical. We do not give out any identifiable information at this point. This will be done at the time of the application. Usually within 48 hours we start receiving conditional offers from the insurance companies. At this point we have a much better idea as to what your final rate will be.

Step 3: Application

During this stage we take a formal application. It is submitted directly to the underwriter for the insurance company that made the best conditional offer.

Step 4 : Underwriting Process

If an exam is needed we will have the insurance carriers paramedical firm contact you to set up a convenient time for the your exam . The Physical exam can take place at your home or business and is performed by a licensed medical professional at no cost to you. If you have concerns about an exam then please contact us 888-564-7662 and we will find a suitable company that offers term life insurance with no medical exam.

Step 5: Approval and Delivery

When all the requirements are completed and the underwriters make their final decision a policy is approved and sent to you for your approval. If everything meets your approval you will sign for the policy and submit your first premium. It really is that easy!
Step 6: 10 Day Free Look

All insurance companies are required by law to give a policy holder a free look period to review their policy and give you the option of canceling your policy for a full refund.
At National Insurance Services of North America (NISONA) we are committed to your total satisfaction. This means affordable, accurate insurance quotes, accessible 24/7, straight forward information from our licensed agents, and attentive customer service.

Our goal? “Peace of mind to last you a lifetime!”

Call us toll free at 888-564-7662

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