Once you provide us with the underwriting information, we will match you with the most relevant company. Each company handles underwriting information in different ways. The difference can be very significant for certain situations. For instance, Prudential will assign non-cigarette nicotine usage to a non-tobacco rate class. Since tobacco rate classes are two to three times the rate for non-tobacco, you would want to make sure your application went to Prudential if you were in this situation.


*Answering questions on this page will not result in a determination of your eligibility for coverage.

An independent life insurance agent will provide your most likely quote. He or she is not tied to one particular company, but can represent all of the competitive life insurance companies.

The life insurance agent who will best serve your interests is one who uses an industry database, such as at Term4Sale.com. Experienced life insurance agents have used this database for over 25 years.

Use this tool to obtain your lowest quote.

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Next Steps: After you click "Get Quotes", fill out the form on the next page for a life insurance provider to provide your most likely quote, considering your underwriting.