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The purpose of this website and its design is meant for you to compare us and the prices of our competitors. We are very competitive in the marketplace and want our customers in the best situation and education possible to make an informed decision on a carrier. Your decision should be based on several factors, but remember that ultimately the policy will govern and your rates will be based upon your physical.
Company Financial Strength - Not all life insurance companies are the same. Some are very large financially, some are small. Some companies are in better financial condition than others. The longer the level term period, the more important it is to consider how healthy and strong the life insurance company is. Make sure that you ask your agent for information about the financial ratings for the companies that you are considering.
Premium Guarantees - Are the premiums for the policy fully guaranteed? Not all companies fully guarantee the initial premium for the entire level period. If two products have the same price, but one is guaranteed while the other is not, the guaranteed product would be better.
Health Risk Conditions - Each life insurance company establishes its own health and lifestyle requirements to determine what premiums you may qualify for. Slightly high blood pressure may disqualify you for one company's preferred health premium, but might be acceptable to obtain another company's preferred health premium. Your agent will be able to give you more guidance.
Smoking Considerations - Not all life companies define smoking the same way. If you have never smoked or used tobacco products in any way, then a non-smoking comparison will include products that you can qualify for based upon non-smoking. If you were a smoker and later quit, then how long ago that you quit may limit your choices. If you do smoke, some companies may offer products with better premiums depending on how little you smoke, or whether you smoke cigars or pipe rather than cigarettes. You will need to discuss all of this with your agent.
There are other considerations that you will want to discuss with your agent. Contact us and let a fully licensed agent help with your life insurance needs.
About This Comparison
The information used in this comparison has been taken from the rate cards and rate manuals which life companies routinely publish and distribute to life agents and brokers. To the best of our ability we have done everything we can to ensure that the information contained in this comparison is up-to-date and accurate. However, WE CANNOT GUARANTEE ACCURACY.
In the event that there is a discrepancy between the information contained in this comparison, and any life company authorized illustration and/or policy, the policy shall govern.
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