In general, internet quotes provide you with the most optimistic pricing that would apply to your particular situation.
Most, but not all companies have two basic health ratings, Preferred and Standard. However, rates can be changed outside of these boundaries. Typically, the transition between Preferred and Standard is based on body build (height and weight) and any present minor medical conditions and treatments.
If you are on expensive prescription medications or have been diagnosed with a more serious medical condition your premiu