Frequently asked questions
Let us help you and your clients get up to speed with our most popular
digital processes.
Horizon Experience FAQ
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How does a client apply?
Our digital application is the quickest, easiest method to apply for life insurance. It offers the best chance for an accelerated, lab-free experience.
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Do I need to use my office PC?
Nope, you can complete the application or access our self-service portal from your smartphone, tablet, or laptop.
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How long does an application typically take?
It shouldn’t take longer than about 20 or 30 minutes total to complete, depending on which digital application method you choose.
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Who can qualify for accelerated underwriting?
Men and women age 20 through 60 years old, up to $2M coverage, any term duration.
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What if my client isn’t in perfect health?
With Preferred Plus, we can consider clients who occasionally smoke cigars and cannabis, live with high cholesterol and hypertension, or have non-melanoma skin cancer. With Preferred, we can even consider clients with well-controlled depression and anxiety, well-controlled asthma, and mild sleep apnea.
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How do I know when a client completes an application?
You will receive an email as soon as they hit “Submit.”
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What happens if a client isn’t initially approved lab-free?
Our Lab Lift program is automatically included as the next step. It substitutes electronic health records (EHRs), an attending physician statement (APS), or recent lab results for a paramedical exam so your client can still receive an accelerated underwriting decision.
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Is my client likely to receive instant underwriting approval?
More than 30% of cases receive an instant decision. If not, they automatically proceed to accelerated underwriting. Most cases we receive are approved without the need for any additional exam or lab work.
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How do I check the status of my client’s application?
Just log into Application Manager through the LGA Partner Dashboard or check for case status from our electronic status feeds. You will also receive a notification whenever an underwriting decision is made.