The Process
From application to payout, plainly explained.
Insurance shouldn't feel like a maze. Here is exactly what happens between the moment you apply and the moment your family is made whole.
01
Apply in under 10 minutes
Answer a short set of health and mortgage questions online. Most applicants qualify without a medical exam.
02
We match your policy
Our system fits your coverage amount and term to your remaining loan balance so you don't overpay for protection you don't need.
03
Underwriting & approval
A licensed underwriter reviews your file. Most approvals return in 48–72 hours, with e-signature delivery.
04
Coverage begins
Your policy is active the moment your first premium clears. Your family is protected from day one.
05
If life changes
One call opens a claim. On approved claims we pay the lender directly or send a lump sum to your beneficiary — typically within 14 days.