The life insurance quotes are based on the health class you have selected. Final rates are always subject to underwriting approval by the insurance company. There are many factors involved in the final approval price, such as (but not limited to) health history, lab results, family history and driving record. This premium quote for a term life insurance policy is based entirely and solely on the information you provided. The accuracy of the premium quoted is not guaranteed. The quote is not, and cannot be construed or deemed to be an offer or a contract for an insurance policy. If you choose to apply with any insurance company for a term life insurance policy based on this quote, the premium the insurance company offers may be higher or lower. The premium and other terms and conditions any insurance company offers, as a result of your application, will be determined solely by the insurance company based on its underwriting rules, practices and premium rates. The insurance company may decide that you are not insurable under its underwriting rules and practices and, in that event, will not offer you a policy.