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Life Insurance Services 6 Things You Need to Know Understanding Underwriting Getting Your Best Rate Underwriting Questions Quick Quote Form Free Needs Analysis U.S. Companies Insurance Definitions Articles We're in FAQ About Us/Legal Contact Us Links Health Issue???	Life Insurance Home > Guarantee *Did You Know that:* Every company uses its own set of underwriting guidelines to determine your rate! According to industry sources, there are over 2,000 life insurance companies in the U.S! The top 125+ are quoted in Compulife© software. Compulife is the industry leader when it comes to quoting life insurance. We maintain a database of underwriting guidelines by carrier! We have access to underwriting manuals to help determine rates for individuals with health issues. We track underwriting niches by carrier. We do this so that we will always know who is most competitive for issues such as cancer, diabetes, heart disease, cigar smokers, pilots, cigarette smokers, etc.. The 6 things you need to know in order to get the most competitive rate: Your Date of Birth. Are you male or female? The State you live in: How much coverage do you want? What term length or how long would you like coverage to last? *What underwriting class you will qualify for.* Numbers 1-5 are easy. Number 6 is where our Expertise will help you get the best rate! Our expertise is knowing the underwriting niches and which company to go to. Whether you are in "preferred best" health or have a history of medical conditions, we will get you the most competitive underwriting class available based on your medical information. Even if you are in "preferred best" health, take the time to read the following. WHAT EVERY CONSUMER NEEDS TO UNDERSTAND ABOUT UNDERWRITING: Copyright © 2002,2003,2004,2005 - LifeInsuranceAdvisors.com, LLC	Call 800-909-2040 now for a free quote *DO YOU NEED AN INSTANT QUOTE RIGHT NOW? - CLICK HERE.* Click here for a free life insurance needs analysis
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