Who Is The Best For Life Insurance? 
The answer is who is the carrier that will offer you the desired coverage structure at the lowest possible cost . There are hundreds of insurance companies out there . The risk classification is the most important aspect when figuring out which carrier to set up your coverage through because the risk classification determines the premiums . Please note , every carrier has their own underwriting guidelines , so some carriers will work better than others with a given medical history -LRB- e.g. company A may offer you preferred while company B may offer you standard -LRB- meaning a higher premium -RRB- -RRB- . You should work with an independent life insurance broker who can shop the case for you among multiple companies so you can get the most accurate numbers . I hope the information is helpful - please feel free to contact me for help , including quotes and plan comparisons , and if you have any other questions . Thanks very much . 