Life insurance rates change several times a month. The best life insurance companies monitor this very carefully and adjust as needed to maintain their competitive position. If you want to find your lowest life insurance rate, you should use an online tool that provides real time term life insurance rates.

Another factor is that companies change their underwriting guidelines. These guidelines evaluate your height and weight, health and family history, driving record, and lifestyle factors to determine for which life insurance rate you will qualify.

See if this sounds familiar: You shop around and apply with the company listing the lowest life insurance rate. Eight weeks later, you are told that you don't qualify, but have been approved for a higher life insurance rate. If you had known, you could have chosen another company.

Then get life insurance rates for which you qualify

The best way to get life insurance rates for which you qualify is to work with an experienced agent. A good agent will conduct an interview to determine your underwriting profile. He or she will understand each company's underwriting rules, and will know which company has the best chance to provide your lowest life insurance rate. Follow this link for instant life insurance rates and the lowest quotes. Then submit the request form to have an experienced agent analyze your underwriting profile and help you choose your best company.

Another way, at least for a starting point, is to use an automated tool. We have developed a tool with which you can estimate your own underwriting profile, simply by answering a set of questions. The tool will then apply your answers to the companies' underwriting rules, and give you a list of the companies for which you qualify. You can then request an application online for the company most likely to provide your lowest life insurance rate. If you would like to use our automated tool, just follow this link to our expert quoting system, and get a list of life insurance rates for which you qualify.

Please read our disclaimer. We are not advertising for any life insurance company. This information was acquired from third parties and is subject to change without notice. You may not qualify for these term life insurance rates. Use them for comparison only. To obtain a personal quote, please contact a licensed life insurance agent.