yuba city life insurance, yuba city life insurance

If you make the wise decision to purchase life insurance, you must complete an application before a policy is issued. Your Yuba City insurance agent will ask you a set of questions that will help determine the right kind of coverage for you and what level of insurance you are eligible for. It’s a fairly straightforward process that ensures you get the proper policy.

Confirming your Identity

The first questions you’ll be asked on an application are intended to verify that you are who you say you are to prevent insurance fraud. You will need to provide:

  • Your full name
  • Street address
  • Driver’s license number
  • Social security number
  • Employer information

This information is used to access your driving record and medical records, which life insurance companies use to decide if you are approved for Yuba City life insurance and if so, to assess your “risk class.” Your risk class dictates how much you will pay for your policy. For example, for obvious reasons if you have a record of reckless driving, you will likely have to pay more for your life insurance than someone with a spotless driving record.

The employer information is used to confirm that you will be able to pay the premiums for your policy. A life insurance policy is an investment both for you and for the insurer, who takes on certain costs like paying for your medical exam and administering your policy.

How Much Coverage Can you Get?

The next part of the application process includes questions about your lifestyle and family history. They include:

  • Are you a pilot?
  • Are you in the military?
  • Do you participate in any hazardous activities?
  • Have you ever been convicted of a felony?
  • Do you use tobacco products?
  • How often do you consume alcohol?
  • Do you have plans to travel outside the country?
  • Do you have any medical conditions?
  • What about immediate family members?

These types of questions are used to determine how much coverage you can get and at what cost. The higher your statistical risk of death, the more you will pay for your policy.

Easy Application and a No Obligation Quote

While it seems like there are many questions involved in the application process, it really doesn’t take much time. You can probably complete the application in the comfort of your home in less than 30 minutes. And before you actually apply, your Yuba City insurance agent can provide you with a quote even without any of your personal information.

To learn more about the benefits of life insurance and the application process, contact our Ernstam Insurance office today at 530-751-1212 to make an appointment.

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