Submit your application.
You’ll submit an application for the coverage amount and term length of your choosing. A life insurance application typically involves sharing information about your lifestyle, medical history, and financial situation.
Underwriters review your application.
Underwriting basically assesses how “risky” you are to insure (which depends on the information in your application).
You get your decision.
If you’re approved and you accept your policy, your coverage begins once your first premium payment is made.