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INSURANCE: FURTHER, YOU SHOULD KNOW THAT, it is possible that, upon review of your application and medical records, the insurance carrier will determine that (1)  you cannot be approved for coverage or, (2) you fall into a different risk classification at different insurance quotes. Your final rate could be higher or lower than the rate a licensed agent has quoted. If there is a change, you will  be notified and you will have the option to accept the new insurance quotes or not.  All products and product features may not be available in all states,  ASK YOUR LICENSED PROFESSIONAL WHAT IS BOTH  AVAILABLE, AS WELL AS RIGHT FOR YOU.  Complete details are included in the specific policy illustrations that are provided to each prospective customer by their licensed agent, when the final application is completed.

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