Underwriting Process

What to expect during the underwriting process:


Gather Client Information

Information such as name, gender, date of birth, tobacco use, are all essential to begin underwriting the case.

Request A Quote

Access our online quote request, fax, or phone your clients information to us.

Carrier Appointment

Decide which carrier(s) will support your client and local/regional affects.

Receive Proposals

We present DI or LTC insurance proposals to you, which you can then take to your client.

Apply for Coverage
  • Complete your application
  • Send your application
  • Present income documentation
  • Schedule medical and telephone application appointments



Wait 4-8 weeks depending on the client’s medical history.