Frequently Asked Questions
Why should I use LifePlan Financial versus another insurance broker?
Although our rates are the same as the competition, we offer personal service with a standard of excellence.
How does LifePlan Financial get paid?
We are compensated by the provider at no additional cost to you. Your rates will be the same with our service as they would be without.
Can I contact someone if I need help?
Yes. We are just a phone call away and ready to answer any questions you may have.
Do you offer the best prices?
Prices are filed and regulated by the state’s insurance commission. They are fixed prices and do not change from broker to broker.
What insurance plan makes sense for me?
We are happy to help determine the best plan for you and your insurance needs. Just call and speak to a member of our knowledgeable staff.
If I apply for a health insurance plan, am I obligated to buy?
No. You are under no obligation to buy a health insurance plan when using our site. After submitting your application you may cancel it at any time during the underwriting process. When you submit an application you will typically include your credit card number, bank account information, or a check for the initial premium payment. Most insurance companies will not charge your card, debit your account, or deposit your check until you are approved. If you are charged or your check is cashed and you are denied for coverage or cancel your application prior to approval, the insurance company will issue a refund to you. A few insurance companies may charge an application fee. You will be notified in the application if the plan you chose requires an application fee. Please note that these fees are non-refundable.
When can my coverage start?
You can request that your insurance plan starts anytime between 1 and 90 days in the future. However, the insurance companies will typically need some time to process your application so keep in mind that the actual date for the start of your coverage may vary depending on the underwriting process. Underwriters will receive your application much faster if you use your “e-signature” on your application. Start times vary from plan to plan, so call us for more specific information.