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This Web site contains a compilation of more than a thousand consumer finance  columns written by Tony Novak from the 1980s through 2006, updated and reformatted for maximum usefulness today.  New material was added after 2010.

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Life insurance application procedure

originally posted: 11/22/2006  reposted: 2/18/2011 This post has not been recently reviewed or revised by the author and may be out of date. If you notice an error or are in doubt, please send a new question by email or ask for an update. Email

Q: I recently requested a quote for life insurance and I received it, but where or how do I send in my application?

A: In order to ensure that you get the lowest price for insurance and the fastest processing of your application, have the adviser review every form before sending it to the underwriter. The automated services are great for price shopping but nothing substitutes for a manual check of all paperwork to ensure that the policy is issued at the best rates as quickly as possible. After running the comparative life insurance quotes and requesting an application using the “Iquote” system at, you should have received a package by e-mail that contains all of the forms and instructions for the specific type and amount of insurance that you requested. The forms package varies depending on your age and the information you provided when you made the request. If you did not receive your policy confirmation within one business day after requesting it, e-mail OnlineAdviser at and say or write "MISSING ENROLLMENT CONFIRMATION". If enrolling by mail, the forms should be printed out, completed entirely and mailed with the initial premium check to the OnlineAdviser address at P.O. Box 102 Narberth PA 19072. All forms that we receive, either electronically or by mail are confirmed and processed on the same business day. If you experience any delay, follow up with a telephone call. Note that this procedure does not apply to the other types of life insurance at that are issued entirely online.


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