I agree with almost every point but as an insurance professional, I always recommend that the prospect insured gives a check with the application as that "binds" the coverage while it is being undewritten. The worst that can happen is to take out an application, fail to make a "temporary" premium payment and drop dead in the meantime! Your family gets nothing. Pay 1 months premium with the application and the insurance company is on the hook for a settlement if the worst happens!
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Novice
