"Preferred" premium rates are offered to a segment of the population who satisfy stringent underwriting qualification acceptance requirements. These stringent requirements normally include but are not necessarily limited to:

Note 1
Although "Preferred" rates may appear very attractive, there may be other reasons for a company to decline to issue a term life insurance policy at "Preferred" rates. It is VERY STRONGLY recommended that you consult with a qualified life insurance agent be consulted prior to the making of an application and that you view "Preferred" rates only as an "optimistic scenario" possibility.

Note 2
Please note that renewal costs and/or premium guarantees, including during the initial term period may vary substantially among policies and companies. Please review these carefully with a qualified agent who is equipped with the independently produced WinQuote™ Professional Insurance Comparison Software.