Something quite interesting about today’s life insurance market is that very few people pay more premium for being affected by asthma. In the grand scheme of things, only the worst cases of asthma are rated sub-standard by most life insurance companies. Yes, there is affordable life insurance with asthma. When someone is shopping for life […]
Obtaining your life insurance quote for term life, universal life or return of premium life insurance on this website is a very simple process:
- Enter minimal information in the form on the quote page, including an estimate of your health class (if you click the question mark on the Your Healthline, a Health Class table will pop up to help you select the appropriate class).
- Our extensive database of quotes from the top-rated insurance companies will display quotes based on the information you provided. The quotes will be displayed in order of price, from lowest to highest. Here, you will also be able to see the A.M. Best rating for each company displayed. You can also click on each company’s link to view more information about the companies, including ratings from other rating agencies.
- From this page, you can request an application to begin the process of applying for a policy, or you can click on the Health Analyzer button, which will give you an opportunity to see how accurate your health class estimate is. If you answer the health and lifestyle questions on the Health Analyzer page, our quote engine will estimate your health class based on each insurance company’s current underwriting guidelines and provide you with the most competitive rates for your health profile (your final classification and rates may vary as a result of additional information gathered by the insurance company during their underwriting process).
Please Note: Your privacy is extremely important to us. Your life insurance quotes will be generated without you entering any personally-identifiable information. We will only ask for your name and contact information if and when you request an application.
You can now review your quotes, if modified by the Health Analyzer,and request an application, if you are ready to begin to the application process. You will be directed to the Application page, where you can now enter your name and contact information, which is needed for the application process.
Next: The Application
The Medical Information Bureau (MIB) provides a collection of private medical and non-medical (hazardous avocations, hobbies, and driving violations) data. The primary purpose of the MIB is to furnish the exchange of underwriting information between its member companies. Member companies are compelled to report a coded summary of conditions and conclusions which may be important […]
Although we grow into adults year by year, there can still be a shock to our systems when we find ourselves out of school and out of our parents’ home. Regardless of how prepared we may believe we are, complicated issues are thrown at us every day and in every manner. Yes, there is the […]