Jeffrey Manola is an experienced life insurance agent and the founder of Top Quote Life Insurance. His mission when he created Top Quote Life Insurance was to provide online consumers searching for life insurance with the absolute best quotes for term life insurance, permanent life insurance, no medical exam life insurance, and burial insurance. Not only does he strive to provide you with the ...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insur...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Nov 4, 2020

Advertiser Disclosure

It’s all about you. We want to help you make the right life insurance coverage choices.

Advertiser Disclosure: We strive to help you make confident life insurance decisions. Comparison shopping should be easy. We are not affiliated with any one life insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different life insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about life insurance. Our goal is to be an objective, third-party resource for everything life insurance-related. We update our site regularly, and all content is reviewed by life insurance experts.

Looking to compare life insurance policies? We can help. Enter your ZIP code to get free quotes from multiple insurers.

Quick & Easy Online Life Insurance Application Process

At Top Quote Life Insurance we make the process of applying for life insurance simple. Below we have listed the simple steps of the life insurance application process.

Throughout the process we will keep you updated and well informed on the underwriting status, but please don’t hesitate to contact us with any questions or concerns.

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No Obligation Life Insurance Quotes

First and foremost by submitting a life insurance request, you are absolutely under no obligation to buy. Located on every page of our website you will find a free instant life insurance quote form.

The instant life insurance quote form will provide you with the best life insurance rates based on your selected criteria. The life insurance rates are displayed from lowest to highest price. Top Quote Life Insurance will do our absolute best to get the policy at the rate you have requested.

Live Agent Confirmation

Once we have received your initial request to apply for coverage, a licensed agent will contact you within 24 hours to verify the plan type you have selected and complete your application. Our agents will make sure you fully understand the type of coverage you have selected and make sure you know how it works.

Free Medical Exam

If your life insurance coverage requires a paramedical exam, we will arrange to have a licensed examiner contact you to schedule a date to complete your exam, at your convenience.  The paramedical exam is paid for by the insurance company you are applying with and is at no cost to you. The paramedical exam plays a very important role in your risk classification.

HERE ARE A COUPLE TIPS TO REMEMBER PRIOR TO YOUR EXAM DAY:

  • Try to fast 8 – 12 hours prior to exam
  • Avoid foods high in salt or fat
  • Drink plenty of water prior to exam
  • Coffee prior to the exam is ok, but keep it plain no sugar or cream
  • No alcoholic beverages 24 hours prior to exam
  • Get plenty of sleep prior to the exam

Your one-stop online guide for life insurance quotes. Get free quotes now!

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No Hassle Application Process

Once you have received your life insurance application for the company you have requested, please review the application and complete all highlighted areas and sign at the “x’s”. Your completed application can either be mailed with the provided postage-paid envelope, faxed, or emailed.

Status Updates During the Underwriting Process

Once your paramedical exam has been completed and your completed application has been received we will forward it to the underwriters to begin the underwriting process. During the underwriting process, we will keep you updated through the process and contact you if the insurance company needs any further information. Upon approval, we will call you to let you know you were approved.

Once approved, you will be required to submit some delivery requirements to place your policy into force. These requirements will be emailed, faxed or mailed to you, whichever is more convenient for you. Once the delivery requirements are submitted, you will receive your policy in a matter of a few days. Once your application has been received the average time for approval and policy delivery is 4 – 6 weeks.

Your Life Insurance Application has Been Approved!

If for some reason your life insurance application is not approved as applied for, we will ask if you would like for us to shop it with one of our many other companies. Life insurance carriers all underwrite differently, so there is a very good chance that you may be able to get a better rate or even a lower premium with one of the other carriers based on your newly approved risk class. You should not need to take a new paramedical exam but we will need you to complete a new application for the new life insurance carrier.

Looking to compare life insurance policies? We can help. Enter your ZIP code to get free quotes from multiple insurers.