Not at all! It can be easy to fall into the trap of thinking that a lower price means that you’re receiving less coverage or less quality coverage. Life insurance coverage is the same, no matter the provider you buy it from. The differences in rates simply means that, for a given age, a provider is pricing the policy lower to “win the sale”.
In our case, we've also eliminated a lot of unnecessary steps from the application process – like requiring everyone to get a medical exam even if they're perfectly healthy. This has allowed us to cut down on underwriting costs and we can then pass on the savings to you!