How else do we maximize results?

We will submit your application for insurance to 2 insurers simultaneously in a head to head competition for your business.  All is above board with both insurers well aware that  our clients are looking for the best offer.

A word about “Preferred” rate pricing:

Just as people pay different rates for auto insurance based on their risk factors and driving records, now virtually all life insurance companies have evolved to grant lower insurance premiums to what insurers consider to be healthier insureds.

Those applicants in the lower risk category will typically be offered Preferred rates at 25%-40% off the standard risk rates.

How can we maximize your chances of qualifying for a Preferred rate?

The criteria used by insurers to evaluate those risk levels can vary radically from one insurer to another for blood pressure, cholesterol, family history and a multitude of additional factors.

We take pride in knowing these intricacies.  Having meticulously researched our client’s medical history and other factors, we match them with the insurer offering the most liberal criteria thereby maximizing the opportunity for the lowest rate.