re the rates from agents and insurance companies the same or different? 
Rates on life insurance is the same in ever state on a per company basis . However , there are rate differences between companies . For instance , smokers can be treated more favorable by one company or another . Shopping among companies will give you the best chance of getting the best premium but will not necessarily guarrantee the lowest rate until after the client goes through underwriting and is approved under a rate class . Independent agents or brokers like myself can do the shopping and get the best rate possible . If you have any questions or would like at quote please call Ronald G Hinch @ 843-450-9879 or visit my website at www.hinchfinancialgroup.com . 