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Life insurance rates are based on age and health. What you qualify for is directly dependent upon what is stated on your medical record. This includes any medications taken in the past or currently taking, medical history, criminal history, and age. Life insurance quotes are not guaranteed. Each life insurance carrier we work with will review your medical history and make an offer at the time of filling out an online application or shortly thereafter for instant and accelerated decision products. No example of life insurance face amounts or premium pricing is a guarantee of coverage for your specific medical history or age. All pricing options are set by the life insurance carriers.