At LegacyGuardAssurance, we believe that securing the right life insurance or final expense coverage should be straightforward and stress-free. We’ve designed our application process to be as simple and convenient as possible, allowing you to protect your loved ones without unnecessary complexity or hassle.
Four Easy Steps to Peace of Mind
Step 1: Free Consultation
Your journey begins with a no-obligation consultation with one of our experienced insurance specialists. During this conversation, we’ll:
- Listen carefully to understand your specific needs and concerns
- Answer any questions you have about life or final expense insurance
- Discuss coverage options that might be appropriate for your situation
- Provide transparent information about policy features and costs
- Help you determine the right coverage amount for your family’s needs
This consultation can take place in the comfort of your home, at our office, over the phone, or via video call—whatever is most convenient for you. Our goal is to understand your unique situation and provide personalized guidance, not to pressure you into a decision.
Step 2: Select Your Coverage
After your consultation, we’ll help you select the coverage that best meets your needs and budget. We’ll:
- Present options from multiple highly-rated insurance companies
- Explain the differences between various policies in clear, simple terms
- Highlight important features and benefits of each option
- Provide transparent premium quotes with no hidden fees
- Recommend the solution that offers the best value for your specific situation
We represent multiple insurance carriers, allowing us to find the company that views your specific health profile most favorably. This approach helps ensure you receive the most competitive rates for your coverage.
Step 3: Complete a Simple Application
Once you’ve selected your coverage, we’ll help you complete the application process:
- We’ll guide you through each question on the application form
- Most applications can be completed in 15-30 minutes
- Many applications can be submitted electronically for faster processing
- We’ll explain any insurance terminology in plain, understandable language
- You’ll never be left to figure out complex forms on your own
For most final expense policies and many life insurance options, there’s no medical exam required—just a few health questions. For policies that do require a medical exam, we’ll arrange for a healthcare professional to visit your home at a time that’s convenient for you, at no cost to you.
Step 4: Policy Delivery and Review
Once your application is approved:
- We’ll deliver your policy documents and review them with you
- We’ll explain your coverage, premium payments, and any special provisions
- We’ll answer any questions you have about your new policy
- We’ll help you set up convenient payment options
- We’ll ensure you understand how your beneficiaries can claim benefits when needed
Your relationship with LegacyGuardAssurance doesn’t end when your policy is issued. We’re here to provide ongoing service, answer questions, and help with any changes or updates your policy might need in the future.
Our Commitment to You
Throughout the application process, we’re committed to:
Simplicity
We’ve streamlined every step to make securing coverage as simple as possible. We handle the paperwork and details so you don’t have to.
Transparency
We believe in clear, honest communication. You’ll always understand exactly what you’re getting and what it costs, with no hidden fees or surprises.
Support
Our team is here to guide you through every step of the process, answering questions and providing assistance whenever you need it.
Privacy
Your personal information is treated with the utmost confidentiality and security throughout the application process and beyond.
Frequently Asked Questions About Applying
How long does the application process take?
For most final expense policies and simplified issue life insurance, the entire process from initial consultation to policy issuance typically takes 1-2 weeks. For fully underwritten policies that require medical exams and more comprehensive review, the process usually takes 4-6 weeks.
What information will I need to provide?
You’ll need to provide basic personal information (name, address, date of birth, etc.), beneficiary information, and answer health questions relevant to the type of policy you’re applying for. We’ll guide you through exactly what’s needed during the application process.
Will I need to take a medical exam?
It depends on the type of policy you select:
- Most final expense policies require no medical exam
- Many life insurance policies now offer “no-exam” options
- Traditional fully underwritten policies typically require a basic medical exam
- We’ll clearly explain the requirements for any policy you’re considering
What if I have health issues?
Don’t let health concerns stop you from applying. Many options exist for individuals with various health conditions:
- Different insurance companies have different underwriting standards
- Some policies are specifically designed for those with health challenges
- Guaranteed issue policies are available that accept virtually all applicants
- We specialize in finding appropriate coverage regardless of health status
How do I make payments?
We offer several convenient payment options:
- Monthly, quarterly, semi-annual, or annual payment schedules
- Electronic funds transfer from your checking account
- Credit card payments for certain policies
- Traditional check payments if preferred
Many clients find that monthly automatic payments are the most convenient option, ensuring your coverage never lapses due to a forgotten payment.
At LegacyGuardAssurance, we’re committed to making the process of securing life and final expense insurance as simple and stress-free as possible. Contact us today to experience the difference our personalized approach can make.
The application process may vary slightly depending on the specific insurance company and policy type selected. Your insurance specialist will provide details specific to your chosen coverage.