Here’s exactly what to expect.
No guessing and no chasing anyone for answers. This is the path your application takes from here, and how I’ll keep you informed along the way.
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01
Your application is received
The insurance company logs your application and assigns it to an underwriter. I confirm it arrived safely and review it for anything that could slow it down.
Within 1–2 business days -
02
The carrier reviews it
Underwriting may include a short phone interview, a review of your medical and prescription history, or in some cases a quick exam. If anything is requested, I’ll tell you what it is and why.
A few days to several weeks -
03
I keep you updated
You’ll hear from me by text, phone, or email whenever there’s news, and I check on your file so you don’t have to. The insurance company may also contact you directly.
At every milestone -
04
A decision is made
Once the carrier decides, I’ll walk you through the result, the final rate, and any next steps, such as signing delivery forms or setting up your first payment.
I’ll call you personally
Please keep in mind
Submitting an application does not guarantee approval or active coverage. Every application is subject to the insurance company’s underwriting review. Your coverage begins only after the policy is approved, issued, and placed in force, which usually includes your first premium payment. Until I confirm your policy is active, please don’t cancel any existing coverage.
Have a question while you wait?
There’s no such thing as a small question. Reach out anytime and you’ll hear back from me, not a call center.
Renzo Aurazo
Independent Licensed Insurance Broker
NPN 21687906
More than a policy. A relationship built on trust.
When you work with me, you don’t get handed off to a customer service line. You have a broker who knows your family, your goals, and the reasons you chose this coverage in the first place.
I’m here to answer questions, help with beneficiary changes or paperwork, and review your coverage with you as life changes, so your protection keeps up with the life you’re building.
Moments worth a quick check-in
- Getting married
- A new baby
- Buying a home
- A new job or raise
- Starting a business
- Planning for retirement
I’ll also reach out once a year for a no-pressure policy review, just to make sure everything still fits.
Good people deserve good guidance.
Most of the families I work with came to me through someone they trust. If there’s a parent, sibling, friend, or coworker in your life who has questions about protecting their family, I’d be honored to help them the same way I’ve helped you.
There’s never any pressure or obligation. Just an honest conversation, clear answers, and a plan that fits them. If now isn’t the right time, that’s perfectly okay too.
Thank you for your trust.
Choosing coverage for the people you love is one of the most caring decisions you can make, and I don’t take it lightly that you made it with me. Whatever comes next, whether it’s a question next week or a life change years from now, I’ll be here. Not just for this application, but for as long as you need me.
— Renzo
Renzo Aurazo
Independent Licensed Insurance Broker · Renzo Aurazo Financial Services
Submitting an application does not guarantee approval or coverage. All policies are subject to the issuing insurance company’s underwriting, terms, and conditions. Coverage takes effect only once a policy is approved, issued, and in force. Processing times are estimates and vary by carrier.