How To Compare Life Insurance Rates? 
First of all , dont go to websites with life insurance rates . I know everybody likes to do this , but youll never get good information . Why not ? Simply because you need to know the rate class for what you qualify with any given company . How do you really know you qualify for preferred ? Preferred Best ? Standard ? The problem is that the vetting questions used on these websites are never thorough enough to give you a really reliable underwriting classification . Besides , what about all the gray areas that need explanation ? You used to drink heavily , but now you dont . But you stopped only a month ago . Is that long enough to avoid a rated premium ? So what do you do ? You get yourself a broker who will prequalify you . He or she will compile a risk profile about you based on thorough and accurate quote information . He will advocate on your behalf to make sure you receive all the credit you deserve for the risk management and avoidance you are doing . He will present this to selected carriers with a reputation for being competitive for a profile such as yours . Then , when you get numbers from different carriers , they will mean something because you know you really qualify for them . 