LIFE
Protect your family

In today’s financial environment, it’s important to know that there are some things you don’t have to worry about. Life insurance can be the foundation of financial security for you and your family. It can be the base upon which other insurance and investment decisions are built.

How Can Life Insurance Be Used to Help Your Family?  The flexibility of life insurance means it can be used to protect those you care about in a variety of situations.  In addition to yourself, coverage is available for your spouse, your partner, your children, and even your blended family.

 

When deciding which type and amount of life insurance is right for you, you’ll need to answer these important questions:   

What do you want the insurance to cover?
What amount of coverage do you need?
How long will you need the coverage for?
What’s your budget?

Answering those questions can help you understand which type of life insurance would work for your situation. There are two main types of life insurance:   

  1. Term, which provides temporary coverage.
  2. Permanent, which provides coverage for the rest of your life.

Within both of these main types of life insurance are different types of policies.

The Application Process

Once you’ve decided to buy a policy, your financial professional will complete an application with you and then submit it. The insurance company will begin a process to obtain medical information to determine whether the company can insure you and what your payments will be.

The three-step process includes a medical exam, a medical history interview and underwriting.

Both the physical exam and the interview will be done at the company’s expense and your convenience.

The Physical Exam and Interview

The life insurance physical can usually be done in your home. The exam will generally take between 20 and 30 minutes.

The medical history interview is a telephone interview that will take about 20 minutes. The interviewer will ask you to verify your identity and to provide information about yourself. The interviewer will then ask questions relating to your medical history and health.

Underwriting

“Underwriting” refers to the evaluation of your current health, medical history, family medical history, and your lifestyle. This step occurs after all of the information is collected. The insurance company’s underwriters establish your eligibility for life insurance and help ensure that you get the lowest possible premium.

Contact a Digital Life Insurance representative today.  Please refer to the Resources page to find a local representative.

Our Top FAQs

To get proof of insurance, you can contact your agent or call 800-012-3456
To check your claim status,you can contact your agent, call 800-012-3456 or click on "CLAIMS CENTER" then click "Track a Claim"
Digital Insurance uses a credit-based insurance score to predict insurance losses. Studies show that considering credit creates a more accurate insurance rate. Credit history is being used by a vast majority of insurers today. By predicting potential losses better, Nationwide can provide a more appropriate rate for each customer. Our experience shows that about half of our existing customers receive a rate decrease based on their credit score.
Digital Insurance uses many factors to determine your score. Some of the more common factors are: Payment history (delinquencies or late payments) Length of time of credit history (when was your credit history established? Types of credit (credit cards, finance company installments, etc.) When determining your score, gender, marital status, age, ethnicity, address and income are not considered.
At Digital Insurance we value our customers. We have an Extraordinary Life Circumstance process that applies to all states. If your credit information has been directly influenced by one of the following events you may qualify for reconsideration of your premium. Catastrophic event, as declared by the federal or a state government Divorce/dissolution of marriage Death of a spouse, child or parent Serious illness or injury, or serious illness or injury to an immediate family member Temporary loss of employment for a period of three months or more, if such loss is due to involuntary unemployment Military deployment overseas Identity theft Total or other loss that makes a home uninhabitable For more information, talk to your agent or call 800-012-3456. We may require you to provide documentation of the event and an explanation of how that event affected your credit.

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Give our friendly team a call on:

0800 012 3456

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Lines are open 8am to 10pm every day except Christmas Day, Boxing Day and New Year's Day. Calls may be monitored or recorded.


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