Policyholder Services

How long will it take to process my application?

We recommend that you forward your completed application to us at least 30 days prior to your requested effective date of coverage to allow us ample review time. If you need us to expedite your application review, please notify us and we will do our best to accommodate your needs.

Applications are usually processed based upon the order received and the requested effective date. Review times will vary depending upon the completeness of the application, the level of review required, and the volume of applications received, among other factors. Processing time may take longer if the application is incomplete, if the applicant has prior claims history, or if special review by members of our physician-staffed Underwriting Committee is necessary.