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If the insurer is willing to accept your application, they will send you an offer. How Much Do I Need? Life insurance can be divided into three basic categories: Draw the Line II. Top 10 Online Casinos of We are licensed to sell Insurance Products in the following states: Exams are conducted by a licensed paramedical or medical doctor and generally require a blood and urine specimen, blood pressure readings, height and weight measurement, and a series of questions regarding your medical history. To put your contract in force, sign the offer and return it with your first premium payment. Until you do so, there is never an obligation to buy. The completed application is then sent to you for review and signature. The application is completed via a phone interview process that will be gathering any additional information needed. The policy owner is responsible for paying premiums in order to maintain the policy in force. Until you do so, there is never an obligation to buy. How Much Do I Need? Term Life Insurance — Provides coverage for a fixed duration of time e. We are registered to sell Securities in the following states: We are licensed to sell Insurance Products in the following states: Most life insurance companies require a medical exam as part of the life insurance application process.

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