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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.
The criteria used by insurers to evaluate those risks 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.
Simultaneous ApplicationsWe 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.
We find this method particularly useful involving complex cases re: medical history, travel or other factors where the underwriter's opinions could vary widely from one insurer to the next.
If you answer around 8%, that's what most consumers would say but that's way off.
The effective interest rate for monthly financing is typically about 15%.
*Does NOT apply to most Universal Life policies.
If you've never been provided with this important financial information before from your current advisors or insurers, does it make you wonder what else you could be missing?
WE ELIMINATE THE FINE PRINT. Let us help you compare policy costs and terms. Call Now for your customized NO-OBLIGATION quote! 1 (800) 884-2126 or Click Here to complete your Quote Request.
“Hi Isabelle, Just a note to say thank for arranging the refund of the premium on the insurance policy which turned out not to be needed. The.."
“I can attest on 2 different occasions the positive results I have experienced. Firstly, upon returning from Florida last March 2017, I ended.."
“Hello Bruce C and Tugo Claims Department. I received reimbursement for the additional costs we paid to Spring Valley Hospital when Ken was a.."
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“Re: Cancellation of Insurance: I was booked to go overseas from Canada fully covered by First Rate Insurance. Unfortunately due to infecti.."
“Hi Bruce, Thanks for your assistance in getting the premium refund for our unused travel time. We appreciate the great service that you prov.."
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“It is more than 17 years ago that we contacted Bruce and signed our first life insurance contracts. As clients we felt, he has our best in.."
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“Your timely and informative article “Insurance Coverage Even When You Make A Mistake”, recently published in the “Moneyvil.."
“Dear Bruce, I am writing to thank you and First Rate Insurance Inc. for providing my daughter with a policy from TUGO (formerly Travel Und.."
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