Instant Decision Life Insurance on Quote & Apply

Quote & Apply’s Banner Life Instant Decision term application process is 100% online. Customers can apply, qualify, and get coverage in under 10 minutes.

Premiums, policy benefits, and compensation are extremely competitive as this is the same Banner Life term product currently sold on Quote & Apply, just with an improved application process. Instant Decision Term can be initiated by appointed and non-appointed agents or their customers.

You can demo Instant Decision term at this link.

Clients who are not approved instantly may still be approved after an underwriter’s review, or after completing an insurance exam. An Instant Decision is expected for healthier clients.

With few exceptions (not in NY and no business insurance), you’ll be presented with the following option to finish the application on Banner’s website starting August 19th, 2021.

From Banner’s website, you’ll answer additional medical questions, add payment, and place the policy inforce.