How do you apply for a life insurance policy?
If you’re comfortable with your initial quote, you’ll start an application for coverage. Some insurers may require you to meet in person or speak over the phone. Amica Life offers the convenience of starting the application online in most cases. Then you’ll speak with an Amica life insurance specialist to complete medical questions on the application. However, you can contact a life insurance specialist to assist you at any point.
After your information is submitted, it’ll go through the underwriting process, when you may be asked more detailed questions to ensure you’re getting the best and most appropriate rate. For most types of coverage, the premium is guaranteed for the level term period purchased or life of the policy. That’s why life insurance companies will collect as much information as possible when determining your rate.
Lastly, an Amica life insurance specialist will contact you to confirm if coverage can be offered and at what rate. Or, if your application is approved as applied, you’ll be notified via email.