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MSI - Mario Schwarzenberg Insurance Services Inc.

Insurance Application Process

What to expect when applying for life insurance or critical illness insurance

Using an experienced insurance broker will make the process easier and quicker. 

The process takes approximately 3-6 weeks and consists of:
1. Financial and insurance needs analysis
2. Application for insurance
3. A nurse visiting your home
4. Underwriting
5. Results

1. Narrow down the type of insurance (Permanent or Term) and the amount of insurance that is required for your needs and compare the rates offered by different insurance companies.

2. In order to qualify for insurance, you will need to apply first. The information and documents required are:

The application can be conveniently completed and submitted online, as a PDF, or in person, using a hard copy of the application.

3. The nurse will visit you to obtain requirements. (Preparing for the nurse: videos or  pdf form) . It will take approximately 2 weeks to transfer the information to the insurance company.

4. The underwriter reviews the application and information from the nurse and sometimes requests more information from your family doctor.

5. Based on all the information, your application for insurance can be approved as preferred (lower rates), regular (normal rates), rated (higher rates) or declined (no coverage can be issued).

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MSI - Mario Schwarzenberg Insurance Services Inc. As a broker with 25 years experience in selling insurance, paying claims and access to all major insurance companies, I can offer a variety of plans at most competitive rates. Mario Schwarzenberg - Owner/Broker "Thinking insurance ... think Mario" "Your Insurance Man in the Pink Shirt" www.MarioInsurance.com/Services Life insurance, Critical Illness, Mortgage Insurance, Disability Insurance, Dental Medical, Buy-Sell, Key Person, Partners Insurance