Step 1: Contact Us

Step 2: Your Customized Report

Step 3: Applying for Coverage

Step 4: Underwriting Process

Step 5: Review Coverage

Step 6: Coverage In Force

Step 1: Contact Us

I am not an Insurance Company. I will never sell or share your information. I will never charge you for my services. I am your advocate in providing unbiased coverage options - I work for you, not the insurance company. My expertise will help you to obtain the coverage that fits your unique needs. Unlike a traditional insurance sales person with cold calling and “high pressure” sales tactics, I provide a low pressure sales environment through online and digital interactions.

There are many methods to contacting me, you choose. You can call, click, or chat. When you’re ready for a quote, simply contact me and we'll discuss details regarding your unique needs, such as:

• Your occupation or business

• Income and any financial concerns

• Current coverage (if any, including anything from your workplace)

• Tobacco use

• Any medical concerns

This information will help me to comparison shop many carriers to offer you the best choices and coverage options. The more I know about you and your individual needs and goals, the better I can help ensure you'll find the right solution at the right price.

Here are some of the preferred insurance carriers I work with:

Step 2: Your Customized Report

I want you to be well informed and educated prior to purchase. After addressing all questions you have and obtaining all details regarding your specific needs, I will provide you with a customized insurance report. This report will provide details that relate to your exact circumstance and tailored to address your exact needs. In addition, the report will include the top three quotes from the most competitive insurance carriers.

Upon the receipt of this report, I am happy to follow up with you to address all of your questions on the proposed coverage options. I want to make sure you have all the information you need to make a well informed decision.

Step 3: Applying for Coverage

Once you have selected your carrier and coverage of choice, as your insurance expert, I will walk you through the application process. It is important to be as open and honest during the application process to avoid omitting any vital information on the application. I would never want an application or coverage to be denied due to failing to provide complete medical history or information. Once the application has been completed, you will have the opportunity to review for completeness.

Step 4: Underwriting Process

The underwriting process can take as little as a few weeks up to several months, depending on the complexity of the case. During the underwriting process, the insurance carrier may request additional financial or medical information, such as tax returns (to show proof of income), medical records, and labs or exams. The carrier will cover all of these expenses.

Do not be overwhelmed. As your insurance expert, I will communicate with you during the entire process and keep you up to date on its progress.

Step 5: Review Coverage

Upon approval, the policy will be mailed to me. As your insurance expert, I will review the policy to ensure accuracy. Once it has been reviewed, I will delivery the policy to you, in person or by mail. Upon receipt of your policy, again I am always available to address any final questions.

Step 6: Coverage Is Active

There may be additional forms that require your signature. I will make it easy to sign and return via mail, scan or email along with your payment. Upon the insurance carrier’s receipt of any final forms and payment, your coverage will be active.

Congratulations on taking the steps to protect your greatest asset, YOU!

My service doesn’t end at the sale, in fact, it’s just beginning! I am always here to answer your questions or concerns regarding your coverage anytime you need. I wish for you a long and healthy life, but if you do need to use your policy someday, I'm here to help. You won’t need to call an overseas call center, only to be placed on hold. Let me make those calls for you.

You might be asking yourself by now, how do I stay in business? You will never have to pay for my services. Only after satisfying you with my service and ultimately purchasing coverage, am I compensated directly from the carrier. Never out of your pocket.