What is the process once I apply?

Once your application is submitted it is reviewed by our medical underwriting team. This process takes on average 2 business days. If there is more data required due to responses to your health history, you will be contacted to provide that information. This additional information is then processed.

The decision response is sent to you, and if it’s accepted as quoted you will receive a payment link to complete the purchase.

If the policy is offered to you at a new price/increased premium due to health question responses, an offer will be sent for you for acceptance followed by the Payment link to complete the purchase.

Soon after the payment is made the policy is issued to you. You will also receive a welcome email with information regarding the non-policy benefits of the INC membership that is included with your purchase so that you may enjoy all the features that are available for your wellbeing and safety.