Instant Online Life Insurance Quotes

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Life Insurance Rates from the Top Companies

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At Top Quote Life Insurance we provide instant online life insurance quotes that allow you to compare the most affordable life insurance rates with a simple click of a button.

The instant online life insurance quotes you’ll receive on the next screen are 100% accurate and updated based on the selected health risk classification you have selected. Our life insurance quoting software will allow you to compare multiple rates from only the top “A” graded life insurance companies on one single screen.

When you find a rate that you are comfortable with, simply click the “apply” button to request an application. A representative of Top Quote Life Insurance will help guide you with the rest of the application process.

Instant Online Life Insurance Quotes are 100% Accurate

The instant online life insurance quotes provided on our website are directly from the life insurance carriers rate books and are updated any time there’s a rate change with anyone of our provided life insurance carriers.

With that said, the instant online life insurance quotes you view on our site are 100% accurate. The one and only variable with our instant online life insurance quotes will be your unique health risk classification situation.

Unfortunately, there is no way for any instant online life insurance quote engine to factor this in. If you’re not sure of what your health classification will be, we encourage you to contact us to let us help you figure it out. You can also use the guide below for an idea with choosing the right health risk class for a more accurate quote.

Choosing a Health Risk Classification

There is no way for you to know with any surety what health risk classification you may fall in until underwriting has fully been completed. The reason is that all life insurance companies will look at your health differently and underwrite your health differently. This is one way the life insurance companies stay competitive with each other.

During the underwriting process the selected insurance company will determine your health risk classification eligibility based on a variety of personal attributes including; age, family history, current and past health history, driving record, height, weight, lifestyle choices, avocation and tobacco usage. Final risk classifications usually fall within four categories: Preferred Plus, Preferred, Standard Plus and Standard.

Preferred Plus
(No Negative Health History)

This category is used for applicants in the utmost excellent health and who are within the height and weight guidelines with no negative underwriting results.

Cholesterol readings are perfect, with no treatment for hypertension or other unfavorable health-related factors. An individual must have no history of tobacco use in the past five years, limited risky avocations and no family history of cancer or heart disease death prior to age 70.

(Very Good Health History)

This category is used for those applicants who are in very good health but may have one or two minor health issues from the Preferred Plus category.

An individual may have medically controlled cholesterol levels or hypertension. There must be no tobacco use for three years. Height and weight are also considered in determining your eligibility.

Regular Plus / Standard Plus
(Minor Health History)

 This category is used for those applicants who may have slightly elevated cholesterol level or hypertension. Height and weight are also considered in the determination of this risk class.  

Regular / Standard
(Some Health Health History)

This category is used for those applications that have major deviations from the Preferred classification. It can be caused by any disqualifications from the Preferred category that is substantial in nature and is usually ongoing and/or recent in occurrence. Height and weight are also considered in determining your eligibility.

What Underwriting Uses To Help Determine Your Health Risk Classification

(Not all of the following will be used with every application for life insurance coverage)

  • Formal Application
  • Paramedical Exam
  • Medical History
  • Motor Vehicle Record
  • Additional Medical Tests
  • Health/Lifestyle Questionnaires
  • Attending Physician Statements (APS)
  • Medical Information Bureau (MIB) Report
  • Corporate Documents (Business Coverage)