All Frequently Asked Questions

What is temporary coverage?

Temporary coverage is a feature that allows your life insurance coverage to begin while you complete a medical exam. In order for coverage to begin, we would draft a payment equal to a month's premium for the coverage amount you are applying for. The coverage will be equal to the amount you are applying for up to $1,000,000.
The coverage will last either until you receive full coverage, you decide to cancel your application, or your application is declined. If you accept the policy, your temporary coverage payment will be applied toward your first month of full coverage; or if you do not accept or get declined, you will receive a full refund. Refunds typically take 7-10 business days to process.
It is critical that your payment is received in order to have temporary coverage. If your payment does not go through, then you were never covered—so make sure to enter correct banking information and have sufficient funds in the account.