Who To Talk To About Life Insurance? 
You should work with an independent life insurance agent/broker to help you secure a policy . There are many moving parts to life insurance and many companies to compare . We can work with you to determine how much coverage is suitable to your needs and how long you should have the premium guarantees for -LRB- e.g. term vs. permanent -RRB- . Identifying which carrier will work best for your program can be a difficult path to navigate . The risk class a carrier assigns to your program is one of the most critical parts of life insurance -LRB- the risk class determines the premiums - the better the risk class , the lower the premiums and vice versa -RRB- . The risk class is determined by your medical history -LRB- and an exam for most programs -RRB- . It 's important to remember that every carrier has their own underwriting guidelines . Therefore , company ABC may offer you preferred plus , while company XYZ may offer you preferred -LRB- requiring higher premiums -RRB- . If you would like assistance with your life insurance needs , send me a private message by clicking on the `` contact me '' button under my profile picture or visit my website , www.TermInsuranceBrokers.com , for information -LRB- you can run instant quotes as well - we 're licensed in many states across the country -RRB- . 