How pricing works

What drives your rate

• Your age when you buy
• Your health history and tobacco use
• The coverage amount
• The type of policy and, for term, the length
• How each carrier rates your risk, which differs between carriers

How to compare fairly

• Compare the same coverage amount, term and health class.
• Ask whether the price is guaranteed or can change.
• Ask about fees and whether paying monthly costs more than paying yearly.
• Look at at least three carriers.

How we are paid

Insurance advisors are generally paid by the carrier through commission when a policy is issued, not billed to you separately. We will tell you how we are paid whenever you ask.