Applicants

Welcoming busy applicants with choice and convenience

by Kem Snavely Frost on January 18, 2017

YesWereOpenLocation, location, location. This is a common catch phrase in real estate, but it’s also becoming more important to life insurance applicants as well. In today’s busy and very mobile society, consumers—including life insurance applicants—want options that best meet their on-the-go lifestyles.

To meet this growing consumer demand, ExamOne gives applicants a choice when deciding on where to have their life insurance paramedical exam completed. They can chose between the most extensive national network of paramedical service centers or a traditional exam at their home or workplace. With more than 150,000 applicants visiting our exam sites last year, the growing popularity of this choice is evident.

In addition to allowing applicants to visit a site convenient for them, we also offer real-time self-scheduling capabilities. When and where to get a life insurance exam is now in the applicant’s control. Your applicants can schedule their paramedical appointment instantly online or via their mobile device. When we use modern communication tools that are preferred by your applicants, we are able to contact them quicker and schedule their exam faster. Flexible scheduling options improve turnaround times from 11.5 days to just 6 days, and lower cancellation rates.

“My husband travels for work and doesn’t always know his schedule in advance, so the option for him to pick a location while he was on the road and to schedule exams was a greatly appreciated benefit. Meanwhile, I scheduled my exam close to home. It was one less hurdle during the process.” – Life insurance applicant

With more than one-third of Americans (34%) saying they are at least somewhat likely to purchase life insurance in the next year,* the industry should encourage follow-through on this important decision to protect their families by making the process easy and convenient. ExamOne is committed to doing our part by continuing to expand our footprint of physical exam location options. In coordination with our parent company, Quest Diagnostics®, we provide an extensive network of 700 locations for your applicants—and we are continually working to add even more.

More locations and scheduling options, in addition to less stringent fasting restrictions before exams, give your applicants more choices than ever before. By developing more applicant-friendly processes, we can all hopefully help our industry grow, grow, grow.

 

*2016 Insurance Barometer Study, conducted in partnership with Life Happens and LIMRA.

Do you remember all the gifts you have given or received during the holidays? Probably not. Gift cards, sweaters and iPhones can only go so far in life. If you still have some last minute presents to buy, stop shopping for forgettable items and give something outside the (gift) box. Though you may not find it at the top of any list, the gift of life insurance can be the most beneficial present a person can receive. It will not get lost in a pile or returned to the store. It is something actually needed and will be something one never forgets.

Businessman offerA family present

Economic hardships and strict budgets, especially during the holiday season, are easy excuses to delay the purchase of life insurance. While we are starting to see a decline in the number of uninsured families, there are still more than 95 million Americans who aren’t protected by life insurance.[i] The financial commitment does not provide any immediate gratification or any tangible entertainment. The fact of the matter is, the true blessing of life insurance comes when a family remains to be taken care of when a provider passes away. Through life insurance, income is replaced to pay for bills, a family business, a home, a car, children’s education and other unforeseen costs. Alleviating financial stress on the already hard journey of losing a loved one is priceless. Protecting your family’s financial future is a gift that keeps on giving.

Guidance as a gift

If you already have a life insurance policy, then consider starting your children or grandchildren in the right direction financially. The younger in age for a life insurance client, the lower the premium and the longer it can grow. Starting life insurance early also minimizes the risks that come with age. For example, due to injury or illness developed later in life, some people are unable to obtain life insurance.

While gifting life insurance to your kids or grandkids may not have the excited reaction we all love, it will give them a financially sound foundation for them to stand on when they’re ready. In due time, the gift will have them wondering what they would have ever done without you.

Why life insurance?

It’s timeless: Unlike every other present you’ve given or received, some life insurance continues to grow in value over time. As nontraditional as a gift like this may seem, the investment you made in your family will continue for generations.

It’s affordable: According to LIFE Happens, 8 in 10 Americans overestimate the true cost of life insurance. Did you know that a life insurance policy could be purchased for as low as $13/month? Insurance agents are prepared to work with you and your budget to create a policy that works best for you and your family.

It’s practical: No matter where a person is in life, this growing base of insurance can always benefit.

It’s a relief: Whether you have a family you provide for today, future families in mind, or business partners to protect, you can rest easy knowing that you’ve offered an incredible gift for anyone who depends on you.

Life insurance will keep the times beyond holidays happy and ensure you can always provide for your family.

 


[i] 2015 Insurance Barometer Study, LIMRA and Life Happens

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