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Who do I apply to first? Life insurance can be divided into three basic categories: Here are the steps a life insurance buyer typically undertakes to obtain life insurance:. The medical exam can be completed at your home or any other convenient location of your choice and typically minutes to complete. Choosing the right life insurance policy Two questions present difficulty for most life insurance buyers: Will I need collateral to qualify for a loan under this program?

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Generally, the younger you are, the more insurance you need to replace a loss of lifetime income for your beneficiary. What are the advantages of applying for a loan under the Relending Loan Program? The loan will finance the fixed assets of a business. What is the advantage of obtaining a loan? Whole Life Insurance — These policies guarantee coverage up to a certain age usually age 95 or and provide cash value, which means that they can be liquidated for cash in the event the insurance is no longer needed. Your personal credit history should be satisfactory. As an independent company, we can explore many carriers for our clients dependent on their needs.

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