The Process: (Life Insurance, Health Insurance and Long Term Care Insurance).
We have designed a process based on our experience that is not only consumer friendly
but will allow us to have the proactive approach and give you the hands on experience
the internet consumer always needs and appreciates.
Select a plan that best fits your needs:
Industry standards suggest a range from 10 to 15 times your annual salary for life insurance.
Calculate your personalized
INSTANT TERM QUOTE.
We have provided plenty of help, product and
insurance company information available for your review. Should you have any additional
questions, email us at services@topratedquotes.com and your dedicated licensed insurance professional will
answer your questions.
Once you have determined the company , product and face amount that best suits your
needs, simply click on the "get application" button to go to our secure server where
you can complete an online application request for the product, plan and face amount
you have selected.
Application and Medical Exam:
Within 48hours of your request, Top Rated Quotes will mail an application packet
containing formal state approved applications and other forms (as required) needed
to complete your application for insurance. You will need to complete and enclose a
one month premium payment. (made payable to the insurance company you have chosen).
This will insure that you have Conditional Temporary Coverage while your application
is being reviewed through the underwriting process. Sign these forms and return them
to us in the enclosed business reply envelope.
Once we have received your completed application. A trained medical professional 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, physical examination
(we do not charge you for the exam). To protect your privacy, your exam results will
be sent directly to the insurance company underwriters.
* Important: The life insurance company cannot begin their review until all application
questions, all supplemental forms and your medical exam have been received.
Underwriting and Policy Delivery:
The applied for Life Insurance company will review your application and medical exam
results.
With most major insurance companies, the underwriting process on your acceptance and
rating for your insurance policy will take six to eight weeks from the receipt of your
completed application, medical exam and any other required information.
Most delays occur when the life insurance company requests a attending physician
statement from your physician. Although they are paid for this information. The amount
of request they receive will sometimes slow down the process.
Throughout this underwriting process your dedicated licensed professional will be
in contact with you via the internet or over the telephone.
Once all the information is received from all the various sources, the insurance
company decision will be conveyed to Top Rated Quotes. We will contact you with the
details of the insurance company's decision.
Dedicated Service and Customer Satisfaction
All Rights Reserved
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