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How it works

From First Conversation to Coverage.

No surprises. Here is each stage of the process and who is responsible for it.

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Colleagues working together around a table
  1. You and DNA

    Discovery

    You tell us who and what you want to protect, and roughly what fits your budget. We listen before anything is recommended.

  2. You and DNA

    Options review

    A licensed professional shows you the coverage types that may fit, explains how they differ, and answers your questions. Any figures at this stage are estimates.

  3. You and DNA

    Application

    If you decide to go ahead, we help you complete an application with the insurance carrier you choose. This is where health and personal details are provided, through the carrier’s application process.

  4. The carrier

    Underwriting

    The carrier reviews your application under its own rules. It may ask for more information, and some policies require a medical exam.

  5. The carrier

    Policy issue

    If approved, the carrier issues the policy and coverage begins as the policy states. The carrier can also offer different terms or decline.

  6. DNA

    Ongoing service

    We remain your point of contact for questions, beneficiary updates and reviews when your life changes.

Quotes are estimates. Coverage is subject to insurer approval, the terms of the policy and applicable state law. Product availability varies by state and carrier. All coverage is subject to carrier underwriting and approval; features, premiums, exclusions and riders depend on the specific policy.

What independent guidance means

Options, compared for you.

An agency works with insurance carriers and helps you compare what they offer, so that the recommendation starts from your situation. [Describe DNA’s actual carrier relationships and independent status once confirmed]

Who does what

DNA Life & Legacy is the agency you talk to. Insurance carriers issue the policies and make underwriting decisions. DNA operates in affiliation with UniTrust Financial Group. [Approved relationship wording pending]

Your next step

Find coverage that fits your life.

Two short steps. No health or financial records needed to start.

  1. Tell us the coverage you are interested in and your state.
  2. A professional licensed in your state reaches out the way you prefer.
  3. You review your options together and choose with confidence, or not at all.

Prefer to talk first? Talk to an Agent

Step 1 of 2

Preferred contact method

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