All Health and life insurance quotes are based on the information you provide.  The actual rate is subject to adjustment by the carrier based on health or other factors uncovered in the underwiting process. If the policy you want comes back different than quoted we will strive to offer other alternatives whenever possible. Any information you provide will be held in strict confidence and will not be sold to any third party.  Information provided is used solely for providing information that you request. Remember, we work for you, not the insurance company!