Found a quote you like?

If you're ready to get coverage, there are two easy ways to start: 


  1. Call us and a licensed agent will review your quote with you and begin the application process. 

  2. Select "Request Application" on the policy you like, enter your contact information, and an agent will contact you to begin your application. 

The Application Process

Many of our carriers offer very efficient electronic applications. That means we can answer your questions and submit your application in one phone call. Or, we can set a time to sit down with you and go over everything in detail. We'll make sure you have all the information you need.


Once the application is submitted your underwriting process will begin. Underwriting is how the company evaluates your health and rates your policy. Each company handles it a little differently. In some cases you may need to undergo a medical exam set up by the insurance company and in others you may only need a phone interview with the company. In either situation your agent will be with you every step of the way. Once your policy is underwritten you will receive your policy in the mail. It really is that easy.   

Tips for your Quote

Health Ratings
When you run your quote, you’re guessing at how the insurance carrier will rate your health. Make your best guess based on the following guide.

Preferred Plus = Exceptional Health
Preferred = Very Good Health
Standard Plus = Above Average Health
Standard = Average Health

Return of Premium term policies have higher premiums, but offer you cash back if you live longer than the coverage period. 

How much do I need? 

Lots of factors go into determining your need for insurance. A good starting point is considering how much you earn and how much your family would need to replace your income. Start at 10-12 times your annual income and a Covenant Insurance team member can help you from there. 

A Better Way to Buy Life Insurance. 

National Carriers. Great Rates. Local Agents. 

At Covenant Insurance we do things differently.  We work for you, not the insurance companies. We make protecting your family our priority, just as if we were protecting our own. We believe in educating clients and not selling them. You can be sure you're getting a great policy for you family and you'll know you're working with an agency that prioritizes protecting families and giving back to our community. 

Get a quote today, and you'll see how affordable it can be to protect what lasts. Then, when you're ready, we're here to help you.