Complete your application form
Your application may require that you answer a few medical questions, so we can better create a policy for you. Some applications will require that individuals do medical exams. Some of the factors
which may determine the need for medical exams are amount of coverage, age, gender, lifestyle habits, medical health or family medical history etc.
Your application is reviewed by the insurance provider
Once the application is completed and submitted to the insurance company, it may go through a process of underwriting, where the application and medicals are reviewed. During this time, the company will either look at your request to purchase coverage. You can speak to you financial advisor for more information.