Step 1 — Discovery (5–10 minutes)
Tell us about your goals, budget, and health profile. We only ask what’s needed to quote accurately.
Step 2 — Market Shopping
We compare multiple A-rated carriers for price, benefits, riders, and underwriting fit.
Step 3 — Apply Your Way
E-application with e-signature. Many policies are no-exam; others may need a brief exam at your convenience.
Step 4 — Approval & Delivery
Average approvals range from instant to a few days. We deliver your policy digitally and walk you through it.
Step 5 — Ongoing Care
Annual check-ins, beneficiary updates, and coverage reviews as life changes.
What to have ready