We determine your real rate based on answers provided in the online application and third party data obtained during underwriting. We ask questions about your lifestyle, health history, and family health history in order to provide you with a personalized rate for coverage. (These questions are no different than what's asked in the traditional buying process... the outcome is just a lot faster.) In some instances, we will need a medical exam to finalize your rate and coverage. The end result, however, is always a rate that's much more personalized than the traditional quote. In many cases, you'll be able to get an instant decision on your eligibility and, if approved, start coverage the same day.