Frequently Asked Questions

When can my insurance policy become effective?
You may request your insurance policy to be effective 7 days from the date of application up to 90 days after the application date (pending underwriting approval).

Can my policy be canceled by the company?
No. All our policies have a renewal safeguard feature. The only way you can be canceled is if:

• You fail to pay the premium within the grace period.
• All of the same policy types within the state are canceled.

How long will it take to receive my policy?
This depends on the type of coverage you apply for and the length of time it takes to obtain medical records (if needed). Typically, your new insurance policy and identification cards should arrive within 2 to 3 weeks

Who is MedMutual Protect?
MedMutual Protect™ is the brand name for insurance products provided by Reserve National Insurance Company. MedMutual Protect is part of the Medical Mutual family of companies. Reserve National Insurance Company has been in business since 1956. We have an A-Excellent rating for financial security from AM Best — a leading insurance company rating firm, and we have thousands of satisfied policyholders all over the country.

Rating refers to the overall financial status of the company and is not a recommendation of the specific policy provisions, rates or practices. For the latest rating, visit the AM Best website.

Do you offer child-only coverage?
Yes. Most of our policies can be written on children of any age, regardless of parental/guardian coverage.

Can I change my benefits?
Yes. You may change your benefits to fit your needs, but some changes may be subject to underwriting.

Do I need a physical exam to qualify for insurance coverage?
No. We do not require a physical exam.