Generally, insurers will ask you to fill in an application form. Information you’ll need to provide include details about your health, personal and professional circumstances. Since term life insurance is medically underwritten, your health and other risk factors will be taken into consideration to determine whether the insurer will offer coverage. If you’re approved, the insurer will also look at the rate it’s willing to offer you.Depending on the insurer, after signing and submitting your application, you’ll go through an automatic underwriting process. This process will include looking through submitted information, your medical history, consumer reporting agencies, and other available sources like the DMV and Medical Information Bureau (MIB)In some cases, insurers will require that you undergo a health exam or provide further information to determine whether you’re eligible for life insurance. If so, a representative may contact you to answer some follow-up questions, schedule a medical exam, and even provide additional medical records.Once the final decision is made and you’re approved, you’ll have a chance to approve the premium price and term before finalizing your agreement. If you like what you see, you’ll then submit payment information. Otherwise, with Fabric, you can customize your term length and coverage amount before moving forward. Offers are valid for 60 days from the date of the offer.