Life Insurance Help

What Happens Next?

1. Your inquiry. Start by telling us a little about your household, the coverage you already have and what you would like to protect.
2. A conversation. We'll help you estimate an appropriate coverage amount and duration, then compare suitable policy types and available premium estimates.
3. Optional secure application. If you decide to explore coverage further, we'll help you begin the insurer's secure application process. Beginning an application does not obligate you to purchase a policy.
4. Underwriting. Some eligible applicants may receive an automated decision quickly. Others may require additional review, medical records or an examination.
5. Your offer. If the insurer offers coverage, we'll help you review the approved coverage amount, premium, policy provisions and any applicable riders or limitations. You can then decide whether to accept the offer.
6. When coverage begins. Submitting an application or receiving an underwriting decision does not, by itself, place coverage in force. Coverage becomes effective according to the insurer's applicable acceptance, signature, payment, policy-issue and effective-date requirements.

There is no obligation to purchase simply because you request information or begin an application.

Read our guide: How to Get Started With Life Insurance in Texas →