Can I Complete the Application Process By Phone?

Yes, yes, and maybe. The life insurance application process differs for customers with differing circumstances. When you begin your search for affordable term life coverage you will learn that the process depends on your lifestyle, health, and age. The reasons for this are simple. The insurance companies are always going to be interested in how you live your life on a daily basis and how you manage your health. If you are an avid skydiver, they want to know. If you have kind of risky habits like smoking, that matters to them. Whether or not you can complete the application process over the phone is entirely dependent on your personal circumstances, but turning down a medical exam may raise premiums.

In a Perfect World

If you were an insurance company executive your perfect world would be a world filled with fit, healthy, long living customers who lived so long they never collected on their term life coverage death benefit. Of course, we all wish for that but that is not the world we live in. The world we live in is filled with risk and dangers to our health. Many times these risks are preventable and other times it is the luck of the draw.

Every life insurance customer is unique. As the application process starts, you will give very basic information that will begin to categorize you into a low, medium, or high risk column. None of these designations mean you cannot get coverage. They might, however, mean you will be more rigorously questioned and studied by the insurance companies underwriting division. This rigorous examination will often include a medical exam. That, obviously, cannot be done over the phone.

If you do not need a medical exam, your application process can probably be completed entirely over the phone. A couple of minor exceptions that might come up is the need to mail or fax proof of your identity and your signature will need to be provided to purchase the policy. Some companies might allow you to electronically sign the policy on the Internet but it might be wise to sign it in person.

From Your Couch

Between mail, Internet, phone, and fax, you can get your life insurance coverage quicker and easier than any other time in history. You can sit on your couch and do just about all the work that is required to find and purchase affordable term life insurance for yourself. When you begin your search for life insurance you will have to decide if you want to link up to agents or if you want to work directly with an insurance company. Either course will get you quality, affordable life insurance with ease. Using an agent might make things a bit easier for you if you need more one-on-one time with a life insurance expert.

As you go through the process of buying term life insurance don't be afraid to inform all insurers and agents that you are looking to accomplish as much as possible over the phone. You can request that all documents be mailed to you or emailed to you so you can look them over. Even if you can do everything but sign the paperwork over the phone be sure you thoroughly read all the documentation sent to you. It might not be a bad idea to sign the documentation in person so you can see exactly what you are signing and have someone there to explain anything you do not understand. Completing the application process by phone is absolutely possible in most situations.

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