Life Insurance Buying Process

The Life Insurance Buying Process in 6 Easy Steps

Step 1: Shop Plans

Use our free Quote Engine to search through hundreds of rates from America’s top rated companies.  Should you have any additional questions call us at (888)-564-2326 , and a courteous adviser will be happy to answer all your questions.

Step 2: Pre-Underwriting Phase

Once you’ve decided on the type and amount of insurance you want,  we will collect certain information from you and present it to the insurance underwriters at no obligation to you. 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 of the insurance company that made the best 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)-564-2326 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)-564-2326