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The quote is based on the assumption of excellent health and does not take into consideration occupational risks or other avocations. Approval and actual premiums will be based upon the entire underwriting process, including but not limited to, information provided on the application, exam results and specific underwriting requirements and criteria. Premium rates vary by coverage amount subject to underwriting discretion. Policies can be returned without obligation within 30 days of receipt in most states. The service is not guaranteed for the duration of the policy. Forms and policy provisions may vary by state. Policy descriptions provided here are not statements of contract. Please refer to the policy forms for full disclosure of all benefits and limitations.