One of the things that can make shopping for insurance for your Post so hard is not knowing what to expect. You hope that whatever company you choose will be easy to work with and offer the tailored coverage that you need, but it’s not always guaranteed.

At Lockton Affinity, we aim to provide you with best-in-class service for insurance solutions that meet the requirements of your organization. Helping you understand the inner workings of the process of purchasing insurance from Lockton Affinity is a part of that promise of service.

In this blog, we’ll walk you through the insurance buying process so you know what to expect. While purchasing insurance from Lockton Affinity is uniquely customized for your Post, all insurance purchases take a similar journey, moving from shopping to sales, and eventually client solutions.

1. Shopping for Coverage

Your insurance purchase begins with shopping for coverage. Shopping often involves comparing rates as well as coverage and unique benefits. Most organizations need products that cover property, liability and more. With Lockton Affinity’s VFW Insurance Program, you will find you can get the custom insurance solution you need and automatically meet your organization’s requirements.


2. Requesting a Price Indication

When you’re ready to get started, you’ll fill out a short price indication request form on the VFW Insurance Program website or call us at (833) 839-8387 during regular business hours. The information you’ll need to provide at this stage is kept to a minimum for ease of use — your name and contact information is all that’s required.

3. Talking with a New Business Consultant

Next, you’ll talk to an insurance business consultant. The business consultant’s job is to review your current coverage, learn more about your insurance needs and give advice about suitable products and services. The business consultant will also collect additional information from you in order to better understand your Post and get you a quote. You can expect questions such as:

  • Post address and contact information
  • Number of members at your Post
  • Details of your Post’s commercial property
  • Activities at your Post
  • Number of people you employ
  • Payroll for the most recent year
  • History of past insurance claims

After the necessary info is gathered, it typically takes 3–5 business days to receive your quote.

4. Going Through Underwriting

Your request next moves onto underwriting, where your individual risks are assessed and your specific policy is quoted. Even though you won’t interact with the insurance underwriters directly, they are the ones working behind the scenes to get you a competitive rate. At Lockton Affinity, our underwriters have extensive experience and longstanding relationships with our carrier partners which allow us to offer the coverage needed to protect your organization at the best possible price.

5. Following up With Your Quote

In 3–5 business days, you will receive a personalized quote that will you give a clear picture of what insurance coverage will look like for your Post. This proposal will outline your anticipated premium as well as an explanation of the products and coverages the quote includes.

6. Purchasing Your Policy

Once you receive your quote, you can review it and complete your purchase if you’re ready. But if you still have questions, your business consultant is there to answer them. When purchasing insurance from Lockton Affinity, you can take advantage of several payment options for your premium, depending on the type of policy you purchase.

7. Receiving Your Documentation

You will receive your policy either through mail or email, at which point it’s time to review your documentation. This step is key for ensuring four very important things:

  • That all of your information is complete and correct.
  • That all of the coverages you requested are included in the policy.
  • That you know what to do to keep your policy in good standing.
  • That you understand the process for filing a claim when needed.

8. Working With Client Solutions

After purchasing insurance from Lockton Affinity, you’ll be introduced to your account manager on our highly specialized fraternal client solutions team. This will be your point of contact for your insurance from here on out. Your account manager is a go-to expert who can answer questions, help you with changes in your insurance needs, process requests for documentation and more. Client solutions will also occasionally reach out to you to check in and see if you need anything.


While every insurance provider offers sales, underwriting and customer service, Lockton Affinity’s team is a cut above the rest. It’s the reason our mission is: we live service.

If you’re curious what coverage will look like for your Post or have a question about your policy, our sales consultant and client solutions teams are always happy to chat. Visit us online or contact us at (833) 839-8387.