Frequently Asked Questions

Is it safe to submit my personal information through your online application?

Yes. Any personal information you enter will be encrypted using Secure Socket Layer (SSL) technology (SSL protects information as it crosses the Internet); this creates a protected connection that ensures confidentiality, and offers the same online security as all major banks. Your browser will activate SSL automatically. This will show on our application’s domain origin as “https”, verifying SSL..

Does submitting this application put me under any obligation to purchase life insurance?

No. This is simply a preliminary application which authorizes us to initiate a company-specific application on your behalf. The company-specific application will then be signed by you: either electronically through a secure online signature process, over the phone with an insurance company representative, or in person when a medical professional comes to your home to perform your paramedical exam.

Am I under any obligation to purchase life insurance after I sign the company-specific application?

No. By signing the company-specific application you allow the insurance company to perform an underwriting analysis of your health history, as well as your current health and lifestyle. After this is completed, they will provide you an offer of insurance that you are free to accept, reject, or modify.

Is there any cost for the application process.

No. There is no cost to you for any part of the application process. You will only have to pay the premium for your life insurance policy, if you choose to accept it.

How do I know what company to choose?

If you believe yourself to be in good health, and want the lowest premium, you can simply run an instant price quote and find out what company will best fill your needs. However, if you have any current or past health history that may cause concern in underwriting (or you just want our advice), simply write “Don’t Know” on the application (under “Insurance Company”) and we will provide you with our professional opinion.

Are your price quotes accurate?

Our price quotes are provided by COMPULIFE® and have been taken from the rate cards and rate manuals which life companies routinely publish and distribute to life agents and brokers. They are a highly reputable company which does everything they can to ensure that the information contained in their comparisons are up-to-date and accurate. However, if there is a discrepancy between the information contained in their comparisons, and any life company authorized illustration and/or policy, the policy shall govern.

What happens after I submit the online application?

We will immediately receive your application at our offices. You will likewise receive an e-mail from us confirming our receipt. Typically, within one business day you will receive an e-mail from our staff updating you on the status of your application. Then, throughout the processing of your application, you will receive regular updates on your application status. You are also welcome to call or e-mail with any questions about your application, or to request a status update.

How long does it take for me to get an official decision on my application?

Usually within 4-6 weeks. However, this is somewhat dependent on you. You are able to complete a telephone health interview and set up the “mini-physical” exam at your convenience. The sooner you complete these steps, the quicker your policy will be issued. The length of time can also depend on what, if any, medical history records need to be ordered, and how long it takes to process the request for your medical records. Medical offices typically give themselves up to 30 days to process these requests (although some are processed quicker than that).

Is there anything else I should know?

In a general sense, we have tried to give you the basic information and steps you need to know before applying for life insurance. However, as each application is unique, we treat them as such. While we have created an online system for purchasing life insurance, we still provide personalized service for each client.

Thank you for letting us be of service to you!

Understanding Life Insurance

There are an ever-growing number of reasons that life insurance is a foundational part of a strong financial

What Is Life Insurance?

Life insurance is a financial protection policy for your family that gives them a tax-free cash payment if you die while the policy is in effect.

Term Life Insurance

As the name suggests, term insurance provides coverage for a specific length of time (term). Term insurance is popular for providing the highest immediate death benefit for each dollar paid in premium.

Permanent Life Insurance

Permanent life insurance provides protection for your entire life. It remains in-force for as long as you pay the premium. Most permanent life insurance policies can build cash value throughout the life of the policy.

Learn More

Understanding Disability Insurance

CEG Life Insurance Services offers the solid protection you and your family need should you suffer a disability and can’t earn an income.

What Is Disability Insurance?

Disability Insurance gives you tax-free income you need to maintain your household and continue providing for yourself and your family.

Short-Term Disability Insurance

This disability policy has a waiting period of 0 to 14 days and a maximum benefit period of no longer than two years.

Long-Term Disability Insurance

This disability policy has a waiting period from several weeks to several months. The maximum benefit period ranges from a few years to retirement time.

Learn More