Our quotes are based on information that we know to be accurate at the time it is put into the system.  However, there may be errors, or the information may be out of date.  The insurance carriers have the final say on what the final rates are going to be for all products.

Also, many insurance carriers will adjust their quotes based on information taken from you in the application process.  Rates can be increased or decreased based on that information.

The on line rates for the Term Life Insurance rates are generally much more expensive than we can get for you during your underwriting process, as all of our life insurance companies that we work with are not utilizing the on-line quote process.  These on-line rates are a general guideline only.  It may be more beneficial for you to fill out the form and send your information directly to us for a more complete and accurate quote.

We have included some information for with regard to frequently asked questions about these quotes here.

We have also included a link to the doctors and other providers that the various insurance companies use here.  Please make sure you are careful when you put in what plan you are selecting:  a doctor for Health Net's PPO plan may not be in their HMO, or vice versa.  Likewise, a doctor who is in Blue Cross's plan for large employers may not be available for smaller employers.

We also have included a link for the carrier applications here.  You can also complete the application during the quote process.