Life insurance companies are required to assess risk based on several parameters. These parameters are NOT the same for all companies. It is important to shop out risk to ensure that any additional premium is justified.

When looking for Life Insurance, price should never be the first consideration. Not all insurance companies behave in the same manner when underwriting your risk. For instance, some companies are more favorable in the younger age markets but less so in the older markets. Some companies are more tolerant of certain medical conditions than others. It is also important to look at medicals required in order to complete the application. Some companies ask for more medical tests than others for the same coverage. We screen our clients as much as possible in order to direct them to the companies that would offer them the most favorable result.