Policies from these carriers are fully underwritten. What does that mean to you?

  • You will need to take a paramed exam where a nurse comes to your home or place of work
  • From the time of application to policy issue can range from 30 to 60 days
  • In general, you will receive the best rates by applying for a fully underwritten policy.

Providers I work with include:

  • American General
  • Transamerica
  • West Coast Life
  • Prudential
  • Genworth
  • RBC
  • Banner Life
  • MetLife
  • SBLI
  • Presidential Life
  • ING
  • North American

Policies form these carriers are not medically underwritten. This means:

  •  no paramedical exam, however the application will ask medical questions.
  • Underwriters will look at your driving records and Medical Information Bureau (MIB) report.
  • Policy issuance will occur within 24 – 48 hours from receipt of application
  • Maximum benefit amount is limited, typically under $350,000.

Providers include:

  • Fidelity Life
  • Assurity Life

Call for a quote:

Office: 303.495.3045
Toll Free: 877.694.5164
Fax: 877.694.5164