Life Insurance Made Simple with Pivot

Life Insurance

When applying for life insurance through Pivot, we utilize many of the top rated life insurance carriers in the industry. In order to provide you with an accurate quote, we discuss your medical, financial, personal and financial histories and can match you with one of the carriers on our platform. There is no need to apply with several carriers at once and have several exams. You choose the carrier you are comfortable with. We will help you with the application process and scheduling of the insurance exam.

Recently, I have had clients apply with or request quotes directly from a life insurance carrier and were not happy with the process. One client called a carrier for quotes only and ended up having blood drawn and money deducted from their bank account. Once they asked for a refund, they were told they were being declined for not finishing an application that was never started. Another client applied directly with the carrier and was approved at a different rate than applied for. They did not want to pay the higher premium and did not want to go through the whole process again with another carrier.

If you are approved at a rate other than applied for, we can look to see if another carrier will have that rate class at a lower premium. We will also look at the reason(s) why you were approved at a different rate class. Carriers have different guidelines for certain medical conditions .For example, if the approval is higher for cholesterol, blood pressure, or build, we can look at the other carriers guidelines for these conditions and may be able to obtain a better rate class for you. You would not have to go through the entire exam process again. We can use your lab results and forward them to a different carrier.

About the author: Teri Costen has been in the life insurance business for over 20 years. She is a mother of three who enjoys working out, taking aerobic kickboxing classes, and making stained glass. Teri believes that finding the right life insurance policy helps protect your family and loved ones. You can contact Teri at 1-800-651-1953 or TCosten@Pivot.com.