Why Your Quote Doesn't Really Matter…
The Truth About Quotes
Anyone can give you a low life insurance quote. Getting a quote however, is only the tip of the iceberg.
What most people don't understand about the life insurance industry is that a quote doesn't mean much.
A life insurance company will not honor a quote; they know how easy it is to manipulate the quoting process.
Instead, they take your application, health history, DMV record, and a host of other factors and try to figure out who you are and how big of a risk you will be for them to insure.
When it comes down to it, they determine your risk and then give you a rate based on that risk. It may be better or worse than the quote you were given. They really don't care what the quote was—it does not affect their decision-making process at all.
So how, you ask, can you make sure that you're getting the best rates?
It all comes down to who you apply with.
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When Your Quote Becomes Your Price
Wholesale Insurance has been in the life insurance industry since 1972. We have been learning the life insurance market since then, and have developed relationships with all of the major life insurance companies (the ones that consistently offer the lowest rates).
We also belong to many life insurance groups (one such: LifeMark Partners) that give us the edge when it comes to bargaining power with the carriers, and also the amount of energy and support they give to us (because they see our agency as being more important than other agencies).
Also, our case managers and customer service representatives know the rate class requirements for all of the companies. They know who gives good rates for smokers, or for overweight people, or for people who have diabetes. They know all of this information and can steer you toward the company that will give you the best rate for your individual situation.
The life insurance industry is more complicated than most people understand. Which is okay. You shouldn't need to worry about the ins and outs of the industry.
That is our job.
And we take is seriously. We know that we can get you the best rates available—especially if you are not in perfect health (and let's be honest, most of us are not in perfect health).
So apply with Wholesale Insurance. You will not be disappointed. In fact, if you try us, you will like us. We promise. It's our Wholesale Insurance Guarantee!
