Insurance companies do not generally pull credit reports while quoting life insurance. Some large policies (usually over $1Million) may require a credit report before actual issuance of a policy.
Most insurance companies offer a discount for choosing the electronic withdrawal method, due to the reduced cost of processing paperwork.
The application process usually only takes a few minutes. Many insurance companies will provide coverage at the time you apply, if you make your initial payment. If you do not pay at the time of [...]