Be prepared by having identity documentation and numbers in reach, and rough dates of any major medical events/hospitalizations. Having a list of daily prescriptions on hand is recommended, as they are the driving force of the automated underwriting process, many medications can be excused, but MUST be known to the agent, so they're able to clarify against the automatic determination.
Find a comfy spot in your home, preferably with minimal distractions, have the above paperwork, as well as a check, voided check, or ACH draft information (routing/account numbers). Have your phone or email handy to receive text from insurer after agent reads you disclosures.
We begin with personal contact details and linking your policy to you.
Which is done via your state of birth, home address, age, DOB and SSN.
We at Lopshire & Co. take the utmost measures in securely processing your identifying information. Calls are on a protected network, and Zoom and email, are on our protected server. This information is imperative to APPROVAL. Without a clients SSN, the insurer can not pull the clients Pharmacy Benefit Manager file/info, or confirm policy owner with absolution.
Physical characteristics and Nicotine usage is denoted, around 10-14 yes or no health questions are asked, your primary physicians contact info is added, and the underwriting team gives approval, within 2 minutes.
This and only at this point can we tell you "YOU'RE APPROVED" the mailers are misleading and most ads as well.
The Final 10-20 minutes are spent confirming coverage amount and premium costs. Once confirmed and agreed upon, we move to initial payment and recurring draft dates. We will than confirm routing, account number, bank info, and payment dates. Then proceed to appointment of beneficiaries. Once appointed final policy is E-signed via text msg/email link from insurer, or via voice signature. Policy is mailed directly from insurer next business day.
Lopshire & Co. Life & Legacy Consulting provides insurance-related educational information and consultation services. Coverage availability, underwriting eligibility, product features, premiums, and policy terms vary by carrier, state, age, health history, tobacco status, and other underwriting factors. Submission of an inquiry or consultation request does not guarantee coverage, policy approval, pricing, or product availability.
Lopshire & Co. is an independent insurance advisory and consulting brand and may represent multiple insurance carriers where properly licensed and appointed. Product recommendations, if any, are based on available carrier offerings, underwriting eligibility, and client-specific objectives.
Information presented on this website is for general informational purposes only and should not be construed as legal, tax, accounting, investment, fiduciary, or securities advice. Clients should consult qualified legal, tax, or financial professionals regarding their specific circumstances.
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Virtual consultations may be offered where operationally appropriate. Service availability may be limited to jurisdictions where appropriate licensing and appointment authority exists.
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