Temporary coverage is also harder to get now. In the past you often had the option to attach a check for an initial premium payment to your application. This serves to give you temporary coverage while the application is being processed. Now insurers such as Assurity will no longer provide this temporary coverage. has become a huge sticking point in the sale of life insurance. Understandably, life insurance buyers don’t want the personal contact required for the life insurance medical exam.
This data typically includes information from electronic health records, prescription databases and motor vehicle reports. If you’ve been exposed to COVID-19, you can also expect a postponement of your application for at least 30 days. What constitutes “exposure”? That may not be clearly defined, but having someone in your household with a coronavirus diagnosis is a clear-cut qualifier. You likely handle many parts of your life online, from shopping to communicating to education. For many life insurance companies, steeped in a history of slow and manual processes, doing everything online is another Plan B.
Hope it is a well thought plan and not just another Brad Pitt script.
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