Life Insurance & Covid-19

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Express Underwriting

 I have been asked in light of the COVID-19 virus what effect it will have on life insurance underwriting.  There are ways to streamline this process  as many A-rated insurance companies offer express or simplified underwriting.  This involves a telephone interview but no blood exam or nurse evaluation (no human contact).  This process is the simplest and safest way to apply for life insurance for yourself and loved ones over  the near future. 

FAQs

How do I start?

Email or call me.  I'll get some basic information from you and start the application.

How much coverage can I get?

The amount ranges from company to company but it's from $500,000 to $3,000,000.

Is it the same as normal underwriting?

Yes and no.  If you're healthy and your answers to health questions don't lead to any follow up then the policy is issued and it's the same price as normal underwriting.  If your answers lead to follow ups or a blood requirement then you are actually put into the "normal" process of underwriting.