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Did You Know that:

Every life insurance 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 100+ companies are quoted in Compulife software. Compulife is the industry leader when it comes to quoting term life insurance.
We maintain a database of underwriting guidelines by life insurance carrier!
We have access to life insurance underwriting manuals to help determine life insurance rates for individuals with health issues.
We track underwriting niches by life insurance carrier. We do this so that we will always know which life insurance company is most competitive for issues such as cancer, diabetes, heart disease, cigar smokers, private pilots, cigarette smokers, etc..

The 6 things you need to know

in order to get the most competitive life insurance 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 life insurance 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:

If You have health issues, it is important that we know about those health issues in order to provide you with the most accurate term life insurance quotes possible. You will find more information here about health issues such as: