You don’t need to be worried about on-line transactions. We use state-of-the-art encryption software to ensure your transaction is totally secure. Just follow the 3 easy steps outlined below. Please be sure to refer to product information and get an instant quote for complete information about this plan.

	Fill-in the information about yourself, select a coverage amount and a payment method, and name a beneficiary.
	Review your information and if necessary, make corrections. Click on “Apply Now” when you are ready. We'll process your request, and send your insurance documents. We'll either include a bill for your first premium payment or charge your credit card - it's your choice.
	When you receive your insurance documents, all you need to do to put your coverage into effect is just sign and return your application/enrollment form, and if you've chosen to be billed directly, include a check for your first payment. Otherwise we'll charge your credit card. We'll continue to either bill you directly or charge your credit card - monthly or annually - as you indicate.

Please note:

• We'll automatically assign an effective date three weeks from the date we process your request, in order to give you enough time to receive your policy/certificate and send back your signed application and first premium payment.
• If you select credit card billing, your effective date may be the date we process your application/enrollment form, depending on your state of residence. We won't charge your account prior to the coverage effective date.
• If your birthday is within the next three weeks, please call 1-877-877-8052 now, so you can lock in the highest possible benefit amount.

Questions? Call us toll free 1-877-877-8052