No health screening to start, no credit card, and your contact details are the last thing we ask for — not the first.
Questions first, contact details last. No obligation at any point.
About your situation and what you’d want covered. No health screening, no invasive questions.
Confirm by text so a licensed agent can reach you — and so you don’t get passed around.
A licensed agent walks through options, costs and eligibility in plain language. Your request does not activate coverage.
So nothing about the next few days is a surprise.
Usually the same or next business day, inside normal hours. One person, not a rotating call centre, and not a list your number was sold onto.
What a given monthly amount actually buys at your age, which carriers will look at you, and where the tradeoffs sit. Ask for the illustration — you are entitled to it.
No coverage exists until a carrier issues a policy and the first premium is paid. Ending the call without applying is a completely normal outcome.
None of it obliges you to anything, and the health questions do not start until a licensed agent is on the phone.
See What Teachers Qualify For →