Option 1-Purchasing Term Insurance Online  Verified Secure site

Our Non-Medical Policies allow for the quickest coverage 5-10 minutes your done No physical exam!

(No blood, No needles , No cup samples)

Simply answer a few health questions.

Benefits

•  No agent required- application completed online secure server !
• No underwriting Instant issue Accept-Reject approval based on  your questionnaire  and medical records
• Coverage from $25,000 to $500,000
• We send you directly to our  agency carrier link, we are here to assist and answer questions 

Step 1- Click the link of the carriers link and run a rate quote  for the amount of coverage needed
Step 2- Choose the plan term 5,10,15,20, 30 ,40 and features you want
Step 3- Answer a few health questions Accept or Reject policy issue
Step 4- Pay 1st months premium  by credit card and set up authorization or direct billing method
Step-5  Done! You are protected! 
30 day money back free look

Option -2 Phone Application  by Tele-service Agent

• Polices over $500,000 typically require para-med exam 
• Consumers who want to try for preferred plus health for a better rate  we can direct you to the right Insurance plan
  * keep in mind you could be rated worse than standard - if you are unaware of a health condition
• Consumers with more than 2-3 minor health issues : carriers require a para-med exam to cover you.
• Impaired risk clients or poor health clients with major pre-existing conditions should visit here Impaired Risk Clients and complete our pre-application so that we may pre-underwrite your health and guarantee your rate and approval and avoid being declined.

 Trinity 1 Financial will run a quote for you by phone or you can run a quote from our quote page and select the policy and carrier you want  and request a teleservice agent contact you

_____________________________________________________________________________________________

After Initial phone application - you may be interviewed by phone from the carriers underwriting department to verify information

Important Notes about Phone Interviews with carriers for fully underwritten policies - Medical type

Step 1 - The Telephone Interview

Each insurance company has its own application that includes a series of medical and financial questions. The answers you provide to these questions will be used to underwrite your coverage. The interview will last 20-30 minutes, depending upon the information required for the coverage you selected. The interview can be completed at your convenience

Please have the following items ready and accessible for your telephone interview:

•  Drivers license number and state.
• Information on existing life insurance (carrier, amount, year issued and beneficiary). 
•  Amount of life insurance on spouse (if any). If none, give reason for no insurance. 
•  Address of employer, including zip code, and annual income of proposed insured. 
•  Name, address, Social Security number and date of birth for all beneficiaries, and date of trust, if any. 
•  Gross assets and liabilities.
• All medical history and family history including serious medical problems. 
•  Primary care physician name and address. 
•  Appointment dates and reasons for seeing doctors over last 5 years. 
•  Any other physicians/facilities seen over the last 5 years. Include when and why including tests. 
•  Medications taken over past 10 years, including dosage information.

If you are not available at the time the interviewer calls, simply call the carrier / company and complete the phone interview. we can provide those numbers at the time of phone application. 

Step 2 - Application and Exam Process

Once the telephone interview has been completed, your application packet will be emailed or mailed  to you via second day air mail with a cover letter explaining in detail what is required of you. Be sure to review the forms, sign and date where indicated, and return as instructed. You will be required to schedule a date and time for your medical exam to be completed. The medical is required for underwriting purposes. The Paramed-examiner will call you within 24 hours of completing your interview to schedule your appointment. The exam is brief and is usually completed at your home at your convenience in 20-30 minutes and consist of blood, urine samples, blood pressure and if needed an EKG. Not to worry it is a quick process.

Step 3 - Policy Delivery

After the case has been reviewed and underwritten, your agent will contact you to discuss policy delivery procedures.