I applied for term life insurance with both Brighthouse and Pacific Life. Brighthouse approved my application within a week or two without much research, while Pacific Life is taking longer, asking detailed questions about my medical history and past medications. Does this seem suspicious?
For the time being, price shopping is all that matters. Choose Pacific Life if you value the ability to convert to a suitable permanent policy in the future.
I’ve navigated similar situations while applying for life insurance, and it’s quite common for different insurers to have varying processes. In my experience, Brighthouse might have a quicker, more streamlined approval process, while Pacific Life’s thorough review with detailed medical questions is a standard practice to assess risk more accurately. It’s not necessarily suspicious but rather reflects their due diligence. If you’re concerned, it’s a good idea to follow up with Pacific Life for updates and make sure you’re comfortable with their process.
It’s not unusual for different insurance companies to have varying processes and timelines for term life insurance applications. Brighthouse’s quicker approval might be due to a more streamlined process or less intensive underwriting, while Pacific Life’s detailed questions are part of a more thorough underwriting process, which is common for ensuring they have a complete picture of your health risks. It’s not necessarily suspicious—just different approaches. Pacific Life’s detailed review might result in more accurate pricing or policy terms. If you’re concerned, you could reach out to Pacific Life for clarification on their process and timeline. Comparing the final offers from both companies will help you make an informed decision based on coverage, cost, and your needs.