It is a life-changing event.
In your initial consultation the advisor will ask some general health questions to determine your health profile and which carrier will be the best match. The policies being offered through this program are individual insurance contracts which require medical underwriting. Not all health conditions are accepted.
If you are interested in applying for coverage, the next step is completing the application with your advisor, which includes signing off on the release of your medical records. Once the application is submitted, the following steps take place: