FAQs

Rates

How is my rate determined?
We provide access to a broad portfolio of plans and competitive estimated premiums determined by the health & life insurance companies, who consider factors such as your age, where you live, your health status, and the level of benefits being provided when deciding your rate.

Will my rates ever go up?
Each insurance company or health care plan reserves the right to increase your rates; most guarantee their rates for 12 months.

Is the rate higher for someone who is a smoker?
Most of the time it will. Most companies place a 20%-30% surcharge on the policy.