Customers often ask us how we can guarantee the lowest price. It’s actually quite simple:

1. We are brokers that represent most major life insurance companies. E.g. MetLife, New York Life, Prudential
2. Insurance premium prices are controlled and governed by risk, so that whether you get a quote from us, or another broker, you should be getting quoted about the same price
3. Our commission is not added to the premium price, but rather built into the price, so again, this keeps prices equal for all brokers.

One  reason you might see a significant price difference between brokers is because you provide different information to each broker, such as the term of the policy, or make an adjustment to how your health is reported. Generally speaking, a quote is not final until you have filled out the policy paperwork, which in some cases may require additional information such as a medical exam, or other pertinent information.

If you do happen to get a quote from another company for the exact same coverage, please let us know immediately, specifying the information you used to get the quote.

If their price is more than a dollar lower than ours, then we will send you a check for the difference between their price and our price for the first month premiums (up to $100)!