Insurance premiums are based on your rating. The rating considers your health, age, and other factors. Most quotes will give you a price based on the best possible rating to get your business but then increase the price later after they gather your personal information. You can be sure that all carriers will give you the best health rating that they can, and that no online or face-to-face Agent can get “Discounts” or “Better Pricing”. The only way premiums can differ for the same product is your rating, and it is ultimately up to the Insurance Company what your rating is. The price is not affected by where you buy it. But the service and options to get the appropriate insurance for YOU definitely are!
