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Compare the Best Life Insurance Companies & Rates for 2023


best life insurance rates

We are experiencing inflation and debt that is rising at an incredible rate in America and the excessive costs keep rolling in. You would like to apply for affordable life insurance to protect your dependents, but your daily expenses are going through the roof.

Between gasoline for the car and trying to put food on the table, it is becoming a considerable problem for most Americans. The big question is, how will you take on another expense when you don’t have much money left at the end of the month?

We work with more competitive life insurance companies than any of our competitors. We do this to better shop the market and get the lowest rates for our clients.

We also pre-screen our potential applicants to ensure we know what medical conditions, hazardous occupations, or dangerous hobbies they may have that could impact their premiums. 



So, What Is the “Big Secret” to Getting the Best Life Insurance Rates?

There really is no “big secret”. Like most people, you will not want to spend countless hours searching online for the best life insurance rates. Instead, we use a much quicker and more efficient approach to shopping for the best life insurance rates.

We can find the best life insurance quotes from the most trusted life insurance companies. As independent agents, otherwise known as Brokers, all this work is done for you at no cost or obligation.

low cost term life insurance



no medical exam life insurance

Consider No Medical Exam Life Insurance Policies:

    • Your application can be approved as quickly as 24 – 48 hours or even less.

    • Eliminates the need for a physical exam & blood test by a Para-Med Nurse.

    • Apply with an accelerated underwriting process with very few medical questions.

    • No medical records are ever required from your doctor’s office.

    • If you need life insurance quickly, no medical exam policies will be the way to go. 


Get a Free Medical Pre-Screen Before You Apply:

    • Eliminate any unwanted surprises later in the application if you have a dangerous occupation, hobby, or sport that could impact your rates.

Medical condition pre-screening is a significant step in securing the best life insurance rates you may qualify for. Having any health conditions could affect the final rates of your application.  Investing a few minutes in a simple pre-screen can help you secure the best life insurance rates possible.

medical pre-screen



How We Guarantee the Lowest Rates Possible:


best life insurance rates

We always recommend reviewing what you need your life insurance for and how long you will need it. This will help us recommend what type of policy fits your specific needs. Then, suppose you have any pre-existing medical conditions or a risky occupation that could impact your rates. In that case, we pre-screen them to avoid unforeseen surprises during the application process.


instant life insurance quotes

Choosing the right life insurance company is crucial when getting the best life insurance rates. This is always simple because we work with over 40 top-rated insurers. All the best life insurance companies underwrite their applications differently and follow different guidelines. 


best life insurance companies

All these tips will work to your advantage, but the golden rule is Do Not Procrastinate when shopping for coverage. Waiting will always cost you higher premiums because the older you are, the more expensive the life insurance rates become.


Apply Quickly & Easily With a SnapApp Telephone Application

There historically have been three ways to apply for life insurance. The first approach involves a lengthy paper application with approximately 30 pages or more. 

The online application came years later. Many applicants complained of technical issues with the online application software.

We believe the most modern and best way to apply is through telephone applications which takes about 15 minutes. All you have to do is listen to the question and then answer it. There is no easier way to apply for life insurance than over the phone.

apply for life insurance over the phone

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Let us answer any questions you may have about life insurance.
We’ll work with you to find the best rates.

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