At the end of the day all term life insurance products are similar.  All providers use key factors such as age, weight, height and family history in determining your health rating.  Are you a smoker, or have you ever smoked, or what types of products do you smoke and how often are similar question, but can be rated dramatically different between insurance carriers.  Family history plays a major part in determining life expectancy and can swing five to seven years of your attained age between providers.  What this means to you is a “Preferred Plus” rating with one provider could be a “Standard” rating with another.  Did you know certain types of heart disease are automatically “rated” with some companies.  Even if you are perfectly healthy, the fact that mom or dad had this condition and passed away will at some level impact the underwriting decision.  So many people get quoted the “best rate” a company has before ever understanding what conditions may be associated with the individual’s health.

If you want an accurate quote and a provider that is a match for you, click on the link below.  We encourage you to answer the brief questionnaire so we may quote you the appropriate rate.  Life Insurance is like buying a car.  Often people see the sale price, the low monthly payment, and the free tank of gas if they apply or buy today.  The reality is you first need good credit to qualify for most promotional offers.  In the Life Insurance Business, your health rating is your credit.  Know where you stand before you apply.  The 12 Questions we ask will save you time, which we all know translates to money.  Get an accurate quote today!

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