Service Description

As your MCA 360 Life Solutions agent, I guide you through the ENTIRE life application process —from policy review to final submission. This is standard agent procedure: detailed, transparent, and designed to make you 100% confident before signing. No shortcuts—just 98% approval rate after thorough review, illustration, and submission. The 3-Step Life Insurance Application Process I Handle for You: STEP 1: ILLUSTRATION AND POLICY REVIEW (15 Min) What: I present best carrier options based on your needs ($100K–$2M coverage) after a thorough investigation. Your Role: Ask questions, see sample policies side-by-side. Tools: Digital policy PDFs are sent to you, digital signatures, shared screen so you can follow me in every step. Outcome: YOU choose the perfect fit—final expense, term, whole life or annuity. STEP 2: ILLUSTRATION CONFIDENCE BUILDING (20 Min) What: Custom illustration showing exact premiums, death benefit, cash value growth (year 1-30). We tweak and customize your policy live. Your Role: Review numbers, projections, tax advantages until you're comfortable. Tools: Carrier illustration software + and I serve as a bilingual explainer real live financial coach. Outcome: Signed approval—you understand EVERY dollar in/out, and your policy. STEP 3: APPLICATION SUBMISSION (60 Min) What: I complete & submit the full application to carriers (FORESTERS, NATIONAL LIFE, ILLINOIS MUTUAL, REVOL ONE, AMERICAN EQUITY, GERBER, etc.) sharing all the process with you on screen. Your Role: Provide ID, health snapshot, beneficiaries and all pertinent information. Tools: Agent portal upload + e-signature. Outcome: Submitted same day— some approval in 24–72 hours. Why This Full Process = 98% Approval in Los Angeles: No Errors: I pre-validate health answers, beneficiary details. Bilingual Throughout: English/Spanish illustrations + forms. Mobile-Friendly: Zoom calls, WhatsApp updates, e-sign anywhere. LA Expertise: 100+ local applications processed—$5M coverage placed. Real Timeline: 45-90 min total → Policy active in 7 to 15 days max. Free: "Life Insurance Illustration Preview" FAQ Q: How long is the full life insurance application process? A: 45–90 minutes with me + 7-15 days approval. Q: Do I see the illustration before submitting? A: YES—it is required by law, and we need to review together, before signing. If you are not happy, you don't sign.