It can be easy online to focus on which company or website offers you the best life insurance quotes. Often times we assume that because a website is showing us a rate, we for sure can get that rate. The problem with this line of thinking is that most websites (in fact none that I have ever come across) do not have the ability to give you a perfectly accurate quote. The best that any site can offer is a basic quote based on simple criteria. Unfortunately, life insurance companies use more than this simple criteria when determining your health class (and subsequently the best rate that they will offer you).
So, what should you do? Still pay attention to the quotes. They are real rates whether or not you qualify for them. Then, when you speak with the customer service representatives from whatever website you apply on, make sure that they get more information and are sure that you can qualify for the rates for which you are applying.
I would suggest working with a company that has an excellent track record for helping people like you get life insurance. I’ve found that the folks at Wholesale Insurance really know their stuff. They will be honest with you and tell you which rates from which company you actually can get.
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