Online Rates vs. Reality: We stopped showing live rates on our site because they rarely matched what most customers qualify for. We target over 50s with health issues, but only 2% might get the best rates. Visitors would see $1,000,000 policies, then either leave shocked by high prices without talking to an expert, or get excited by low rates only to be disappointed after learning they don't qualify. Neither scenario benefits you or us.

​Life Insurance vs. Other Insurance: Life insurance isn't like car or health insurance where a software can instantly quote you by checking your records. Despite ads claiming no exams or questions, those plans often cost more and aren't the best deals. We avoid selling those. Instead, we offer products without exams but with real underwriting, including checking medical records and lab results. It's the only way to ensure you get the lowest life insurance rate, as medical records aren't as easily accessed as driving or prescription histories.

​Why Live Quotes Don't Work: Offering live quotes would mislead 98% of our clients, which goes against what we stand for. We could provide unrealistic quotes upon request, but it's not valuable to you. Many sites offer such quotes, but they're not accurate unless you're under 40, medication-free, at perfect weight, and have no health issues – that's only 2% of people. We focus on those who need more than just a quick online quote.

No Pressure Quotes: You might worry about being pressured to buy by insurance agents. That's not how we operate. We believe you're reaching out because you need life insurance. If you don't genuinely need it, we won't waste your time. Life insurance for those with health issues isn't a quick buy, especially if you're not among the 2% with no health concerns. Our process involves an exam or a phone interview, then waiting for medical records from your doctor before making an insurance offer. If our initial conversation was honest and thorough, the offer should align with our quote. Unlike instant but unrealistic online quotes, we aim for accuracy and transparency.

Efficient Quotes Save Time: Talking to an agent for a real quote saves time for both of us. Spending months on underwriting, only to find the cost is too high, wastes time. We prefer to understand your needs and budget in a quick call. Life insurance isn't about hoping for overlooked applications; it's about accurate, upfront work to ensure you get the best rate from the right insurer the first time. We earn only when you accept the offer and pay the first year's premium. If you find a better rate elsewhere, we don't profit. Our goal is to offer unbeatable rates, and we do this daily.

We're industry leaders, with no room for mythical quotes. - Hassan.Helps.com