Life Insurance Made Easy
Thank you for choosing PolicyHub for your life insurance needs. We’re excited for our upcoming phone consultation with you, and we want to make sure you know exactly what to expect.
Here’s what a typical consultation looks like:
Consultations are quick and painless, and most applications are approved with NO medical exams!
During your insurance consultation, you can expect…
Your agent will first verify some basic details, such as your address and age. If your application involves your spouse or a co-borrower, we’ll include them as well.
The agent on the call is your state underwriter, with access to dozens of major insurance providers. That means you can compare tons of rates, instead of being forced to choose from a single company.
Your agent has two main roles during your call:
PolicyHub’s agents are thorough and compliant — that’s why your agent will share a link to their active licenses and insurance producer number.
Your agent will then walk you through the following steps:
Just to set the right expectations — your agent doesn’t approve or deny your application. That responsibility lies with the insurance carrier.
Denied coverage? No problem — our agents work with 37 major insurance providers!
You’ll hear back regarding the decision within 1-5 days. No worries if one carrier doesn’t approve you; we work with dozens of carriers and can help you find another one that fits your needs.
Have questions about your consultation? We have answers!
Your life insurance agent is in a legal and ethical position of trust with you, their client. When you chat with one of our life insurance agents, here’s how they have your back:
In a nutshell, our agents are in your corner, every step of the way.
Insurance companies and agents are legally required to cross-reference this information for money laundering due to the Patriot Act of 2001.
In addition, it ensures nobody opens a policy without your consent. Your name and address on the account should match the application.
Don’t forget – you have a 30-day window to get your entire premium back if you aren’t happy with your policy.
Knowing your medications and medical history aids the underwriting process. It helps us get a clear picture of your health and ensure we match you with the most suitable insurance carrier and plan.
In addition, we ask for this information up-front because it allows the insurance company to approve your policy without an in-person medical exam.
Most policies are approved with no pesky doctor appointments!
Giving detailed health information now often means NO medical exam needed for insurance coverage.
We request your medical history from the Medical Information Bureau, which ties your history to your Social Security Number.
Remember, your information is kept 100% confidential — we share it with no one outside of your insurance application.
Remember, your call is a pre-qualification only. You have a federally mandated 30-day period post-approval to assess your policy, during which you can make changes or even cancel with a refund.
Unhappy with your policy? Cancel within 30 days and get a full refund!
We look forward to our call, and please, if you have any other concerns or questions, don’t hesitate to ask!
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