TD Insurance Life Insurance Reviews

They take over 6 weeks to review the policy application, so for that time you are without insurance and waiting for the underwriters to review it. The sales people assure you that you won't need a medical, that the process is simple etc. They are lying. They don't tell you that it will take at least 6 weeks and they don't tell you that invasive medicals are required. I don't enjoy getting more bloodwork and other samples done repeatedly. I do that enough at my Doctor. They are not easy to deal with and every time you call it's a long wait. The policy is also not active until they approve it. I called to switch my life insurance providers and wanted my new policy active by the time my old one ran out, but they took so long I was without life insurance for several weeks. Not fun when you have kids that depend on you and you get worried to even drive somewhere without life insurance. Horrible service. Way too slow.

Really zero but makes u choose. If your parents or siblings have cancer before age of 60 you don’t qualify disability nor life insurance but they don’t ask these when first applying for insurance. Plus they will continue to take your payments without letting you know until you have an issue; then you find out your not covered even if you are paying on the insurance.
The request forms only ask for past 24 months but they go far back into your health records to find any reason to disqualify you very evasive.
Again ask what disqualifies you before paying for this insurance as they won’t tell you up front and take your payments anyway. They don’t care.