What occurs after you submit your life insurance coverage software

Haven Life was based with a mission to take a time-consuming, complicated course of and remodel it into one which’s truly easy. Sure, we’re speaking about shopping for time period life insurance coverage.

If you happen to’ve landed on this web page, it’s doubtless that you've already taken step one of making use of for all times insurance coverage. Bravo — it’s a wise transfer for anybody who needs to go away a monetary legacy, and we’re blissful to say, you solely have a bit additional to go. Three steps for many who are preserving rating at residence.

Earlier than we proceed, it’s value stating that simply because you must take a medical examination, it doesn’t imply you’re sick or received’t get a terrific worth. Quite, it means we'd like a bit extra details about you to offer you an correct time period life insurance coverage fee. In actual fact, the vast majority of Haven Time period candidates who must take a medical examination find yourself getting probably the most reasonably priced worth obtainable for his or her well being and age. So, you’re in good firm.

Right here’s what you may anticipate subsequent:

1. eSign and make sure your info

Signing your software electronically shouldn't be a dedication to purchase protection. It merely permits us to schedule your medical examination. All you might be doing is verifying that the knowledge you’ve given us on the appliance is appropriate.

You could have as much as seven days to electronically signal your software. Nonetheless, if you happen to don’t register seven days, you’ll must resubmit your software. Don’t fear —your current software will principally pre-fill your solutions within the new software whenever you reapply, so that you received’t want to start out from scratch.) In different phrases, there’s no hurt in signing.

2. Full a life insurance coverage medical examination

The aim of the life insurance coverage medical examination is to assist the insurer decide the suitable worth on your coverage. Whereas it’s one of many solely offline points of Haven Life’s software expertise, we nonetheless take each effort we will to make the method streamlined and painless.

The medical examination itself takes about 20-30 minutes. You possibly can schedule your appointment on-line or over the telephone.

The examiner can meet you at residence, your place of work or an examination workplace. Choose a spot for the examination the place you’ll be most comfy giving a blood and urine pattern. We discover that the majority Haven Life clients select to have the paramed examiner come to their houses.

Right here’s what you may anticipate the paramed to do within the examination:

Assessment your loved ones’s medical historyMeasure your blood stress, peak, and weightCollect blood and urine samplesVerify the well being and way of life responses you make in your software

Professional tip: take into account reserving a morning appointment since fasting earlier than the examination is really helpful. For extra tips about getting ready for the medical examination, confer with this useful information.

three. Assessment your last supply

Usually, lab outcomes change into obtainable inside per week of your examination. After we obtain the knowledge, our modern know-how opinions the ends in actual time to get your last fee. If we'd like additional info, an underwriter will attain out with a couple of particular questions on your life insurance coverage software. In uncommon instances, with an advanced medical or prescription historical past, medical data could also be collected.

When you obtain your life insurance coverage fee, you may select to just accept or decline the supply. We hope that the speed and the convenience of the expertise will win you over, however there is no such thing as a stress to buy if you happen to’re not pleased with the value.

Though unlikely, you could possibly be declined for protection primarily based on the outcomes of your medical examination or a couple of different elements. If that's the case, don’t fear, you should still have loads of choices for protection obtainable.

Get pleasure from your peace of thoughts (and a few nice added advantages)

Whenever you purchase life insurance coverage, you’re coming into right into a long-term relationship that may, relying on the time period size you select, final a number of 10, 15, 20 or 30 years. Traditionally, the extent of this relationship has been a month-to-month invoice for years on finish. In alternate, you get protection for your loved ones and peace of thoughts for you.

And, whereas that’s OK as a result of life insurance coverage is completely value having, at Haven Life, we predict being a life insurance coverage policyholder might be way more rewarding, which is why we provide Haven Life Plus.

Haven Life Plus is a no-cost rider on the Haven Time period coverage that gives clients with a collection of companies that helps them dwell more healthy, fuller and extra protected lives. In eligible states, a Haven Time period policyholder can make the most of the next companies, that are included in the price of the coverage:

A digital resolution for making a authorized will for you otherwise you and your companion at no cost via Belief & Will (a $129 worth). The service additionally features a well being care energy of legal professional and directives.A safe on-line secure deposit field for storing, managing and sharing your loved ones’s vital paperwork without charge via LifeSite (usually $80 per 12 months).A 15 % low cost voucher for household well being companies at MinuteClinic, inside CVS Pharmacy and Goal shops.

It’s not solely simpler life insurance coverage, it’s a neater life.

Haven Time period is a Time period Life Insurance coverage Coverage (ICC17DTC) issued by Massachusetts Mutual Life Insurance coverage Firm (MassMutual), Springfield, MA 01111 and supplied completely via Haven Life Insurance coverage Company, LLC. Coverage and rider kind numbers and options could differ by state and will not be obtainable in all states. In New York, Haven Time period is DTC-NY 1017. Our Company license quantity in California is OK71922 and in Arkansas, 100139527.