Gender, age, weight, whether you smoke or not, your email address, and your phone number are some of the questions that you have to fill to get some quotes.

Also, your broker will ask you lots of personal questions related to your health, which is necessary to provide accurate estimates. Be honest, all of this information will be verified with your medical record or during a medical exam when you apply for insurance.

You need life insurance as it will replace your income after you untimely demise and will provide for your family. So, select life insurance that suits your requirements.

First, your agent will speak to you, and he/she will verify some of the information you provided online and will tell you whether or not the quote you selected is best for you.

The agent then will provide you with some paperwork that you have to sign and then he/she will submit your application to the insurer.

Now that you have verified your application, some insurers might allow you to make your first payment to bind your policy before your medical exam. But this doesn’t mean that your term plan insurance policy is active. The insurance companies have the full right to cancel the policy or increase your premium if your medical exam reveals previously undisclosed medical conditions.