Straight Talk Insurance

Home      An agent down the block is just as good as I am?

 All independent agents are the same

We all get the same rates…We all use the same insurance companies…We even use the same medical examiners. 
 
If you agent tells you anything different...THEY ARE LYING TO YOU!!!
 
Here's the deal...the insurance companies determine the rate based on how great a chance of you DIEING during the lenghth of the term.  If there is a small chance that you will die the rate is low.  If there is a larger chance (like you smoke) then the rate is higher.  They don't care who sells the policy...all they care about it chance that you will die (and they have to shell out the $$$'s)