Most consumers who shop for life insurance online will look at the lowest premium quoted and think that will be the price if they apply.  Until you apply and take an insurance exam, you will not get a final offered price until the carrier’s underwriting department has reviewed the medical results.

Whether you get the Preferred Best tier, Preferred Tier, or a Standard tier depends on several variables including height, weight, medications taken, prior medical history as well as family history of cancer, heart disease, or diabetes.

Contact us at Randy Jones Insurance Services to explain what price tier you may qualify for or go to our website at and go to our life insurance section for explanations or tiers and quick price quotes.