@my2fish Thanks for the comment. The site you mentioned is pretty good for getting a rough and tumble idea of what might be out there, but it really has some limitations. It requires you to access your own risk without mentioning that each company has different underwriting requirements that change. It spreadsheets many top companies but misses some others that might be important. It doesn’t allow flexibility to allow the input from an experienced expert.

Honestly, many of the agents who work through our service start with a quote system similar to (if not the exact same) as what you pointed out. Then they look at the companies that aren’t included, underwriting, and other methods to help you meet your goals that a spreadsheet just can’t do. Of course, all this happens anonymously and without hassle too. It’s about providing accuracy and customization in a competitive environment without any sales pressure. No single agent or spreadsheet can do that.

this is the best place I’ve found (and it’s been recommended a lot in other blogs/forums) for shopping for the best rates on term life insurance. the site doesn’t sell any insurance – just provides rates. I am not in any way affiliated with them. just found it helpful when I was shopping for my life insurance.

cheers, my2fish