How To Buy Term Life Insurance Online?

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Calculate your personal instant term life insurance quote. You'll need to answer a few health, age and tobacco use questions so that the proper rates can be calculated. You should never have to give your name, phone number, email address, etc. to get a quote! It takes only seconds to get comparison quotes, help, product and insurance company information and ratings for your review. You can complete as many comparison quotes as you need without interruption when searching for your best buy. Should you have any additional questions, email us at support@1stquote.com or call us at 1-800-583-0231, and our customer support team will be happy to answer all your questions.

Once you determine the company and guaranteed product that best meets your needs, simply click on the "get application" button to go to our secure server where you can complete a very brief online application request for the product and plan you have selected.

Step 2: Complete an Application and Paramedical Exam

Within 24 hours of your request, 1stQuote will mail an application packet containing formal state approved applications and other forms (as required) needed for your application for life insurance. You will need to complete and sign these forms and return them to us in an enclosed business reply envelope. 1stQuote.com charges no fees and requires no premium payment at the time of your application.

Within several days of your application request, A licensed paramedic, nurse or physician will contact you to arrange a brief medical exam. The paramedic will visit you at a convenient location -- at work or home -- to conduct a routine, no cost physical examination. In most cases your exam will take from 15 to 30 minutes. To protect your privacy, your exam results are sent directly to the insurance company. For more detailed information on life insurance medical exams, please click here.

Important: The life insurance company will not begin their review until all application questions, all supplemental forms and your medical exam have been received.

Step 3: Await Underwriting Approval and Policy Delivery

The Life Insurance company will review your application and medical exam results. In many cases they can approve your policy with just this information. However, in some instances, they may need additional medical records and information from your physician prior to making their decision.

With most major insurance companies, the final decision on your eligibility for insurance will take at least four weeks from the receipt of your completed application, medical exam and any other required information.

The greatest delay most often occurs when the life insurance company requests additional health information directly from your physician (they are paid for this information, but often slow in responding to requests.)

Throughout this underwriting period we'll provide you with real-time status reports via email, or you can request an up-to-date underwriting status report by clicking on the account manager tab on the 1stQuote website.

Once all the information is received from all the various sources, the insurance company decision will be conveyed to 1stQuote. We will contact you with the details of the insurance company's decision and forward your policy to you for your review.

If your policy is acceptable and you wish to place it in force, then you will remit your initial premium payable to the insurance company. Coverage will be "in force" when the insurance company receives your premium payment and any required forms of acceptance.