Financial security for people who matter most, no matter what.
Let an experienced independent agent help (at no additional cost).
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With an independent agent, you get to choose who you work with. As specific rules and regulations differ from state to state, it is best to work with an agent who is familiar with the peculiarities of your home state.
When you apply online, you are NOT applying directly to insurance companies. An agent will be assigned to you.Be aware that many life insurance quoting websites are not all the same. Most are specifically created by agencies that sell insurance online. They are a good resource, but they often only show the companies that they sell. Some of the best life insurance carriers do not offer their products through this type of online agent.
Prices of Life Insurance are submitted to State Departments of Insurance and cannot vary by agent or agency.
The insurance company, even if they sell directly, cannot legally give you a better price. If you find a different price for what appears to be the same product there is some difference in the product itself, perhaps different riders or different conversion options (more about that later). We can help you understand the differences.
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Online Self-Quotes are handy and can be a good place to start, but the prices usually aren't realistic. To find an accurate quote, you'll need to know how you will be rated. |
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Your health “rating” can more accurately determine your acceptance and real pricing that the insurance companies will charge you. Life insurance companies offer insurance at different price levels based on a number of health factors, which, when considered together, help them predict how good a risk you are. No matter what rate you are quoted, the insurance company is not bound by it, sometimes they even offer a better rate than quoted.
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For some companies, only 2% to 5% of the applicant get that "super-preferred" rate.
The price you see advertised very likely may not be the amount you have to pay. Insurance companies advertise the very lowest- "super preferred"- rates, in order to attract applicants. The next rate category down might be much worse. Many people who apply without the advice of an agent feel like they are the victim of a “bait and switch.” |
Your health rating with one carrier may be MUCH different from another. We shop dozens of carriers to find the ones most likely to give the best rating so you can get it right the first time.
Health rating categories are different from one company to the next. Note that similar sounding names such as preferred plus, ultra preferred, or preferred non-smoker are grouped together in quoting software but this does NOT mean that they are equivalent. Some companies have tighter standards for factors like height and weight, for instance. So, you may qualify for a certain rating level and get the quoted rate with some companies but not others.
Health rating categories are different from one company to the next. Note that similar sounding names such as preferred plus, ultra preferred, or preferred non-smoker are grouped together in quoting software but this does NOT mean that they are equivalent. Some companies have tighter standards for factors like height and weight, for instance. So, you may qualify for a certain rating level and get the quoted rate with some companies but not others.
For a smoother, more transparent process, use an independent agency like the HIQS Group
Call (203) 730-8304
Is your coverage keeping up? |
Book a complementary review to be sure your plan is still the best fit. If you've outgrown your coverage, we'll help you to adjust.
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