Working with WAIN
With WAIN, it’s easy: You share your story, we’ll handle the rest. Simple as that.
Step 1: Connect with a Broker
Schedule a brief call and chat with a licensed WAIN advisor to identify the product that fits your needs—whether it’s high-limit income protection, supplemental life, or both.
→ We start by learning about your profession, income, and goals.
Step 2: Pre-Underwriting Screen
Complete a quick pre-screen application that helps us anticipate underwriting questions before they happen.
→ This step allows us to collect key details and medical records securely, so we can deliver an exact quote and shorten approval time.
Step 3: Official Underwriting
Once you’re ready, your broker submits your application directly to the selected carrier for official underwriting review.
→ WAIN tracks your progress and keeps you updated every step of the way—no back-and-forth or surprises.
Step 4: Sign & Activate Policy
After approval, review your offer, e-sign, and make your first payment to activate coverage.
→ You’ll receive your digital policy packet and our full support whenever you need to file a claim or make updates.