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Not so fast, say the term lifers. The only reason to have fast life insurance is to replace the lost income of a family member who dies, and then only when the spouse or family is dependent on that income. If you are single with no dependents and no debts fast life insurance . If you are married and your spouse works, you probably do not need fast life insurance, either, assuming your spouse makes enough to support himself or herself. We have, on site underwriting by Steve Oleksy. SteveO has established himself as one of the premier impaired risk underwriters in the country with over 25 years experience. He has established communications privileges with most of the head underwriters and Doctors in all the companies we represent. This is very unusual for any type of agency. His job is to promote the best offer available for our clients.We generally proceed by having the client complete one or more of the forms in this site or the free SubSoft program available from us, related to their problem(s). We obtain any test results and present them to the underwriter who will then give us a preliminary offer. After all the preliminary work is completed, a formal application is made to the selected company and all of the necessary formal requirements are obtained. This save time and money as well as your clients patience with you helping us with a fast policy. |
