When we provide an insurance quote, it's a projection, dependent upon the final underwriting process completing successfully. When we start the process we try to provide a quote projection based upon the information you have supplied to date on a worst case scenario. After we get the opportunity to review your medical situation in detail, we then work back to a best case scenario that is usually cheaper too. A pre-assessment involves two steps Quoting is the first step  Underwriting is the final step in the assessment and includes a careful review of any medical reports. After the formal underwriting process is completed, you might receive a revised quote depending upon your medical history. It might take longer than expected, but the process delivers a fully underwritten policy that provides peace of mind that all assessments decisions have been completed and you know exactly where you stand.