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Kiplinger's Personal Finance
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 Nov. 29, 2022
Has always been helpful and understanding.

- Jorge C., Oklahoma City, OK
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 Nov. 29, 2022
Abigail was awesome. She was pleasant and soo helpful. She spoke clear and precise and was very easy to understand. I have no prob...

- John C., Center Valley, PA
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 Nov. 29, 2022
Mary Alice Davila is always, consistently providing excellent service. She is always professional, knowledgeable and supportive. ...

- Stanley F., Pacific Palisades, CA
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 Nov. 29, 2022
Excellent customer service. Thorough!

- Richard J., North Canton, OH
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 Nov. 29, 2022
Please let then team know ; Ms Melissa was outstanding source of information excellent follow up and always my family will bee app...

- Juan A., Manassas, VA
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 Nov. 29, 2022
John was very professional, knowledgeable, and very pleasant. I have a better understanding about the different types of policies....

- Sandra P., Rural Hall, NC
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 Nov. 29, 2022
She was thorough in explaining everything, courteous and patient.

- Janice E., Rahway, NJ
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 Nov. 29, 2022
Exceptionally professional and patient

- Ignatius K., Stafford, VA
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 Nov. 28, 2022
He is wonderful to us

- Jun F., Orlando, FL
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 Nov. 28, 2022
She was wonderful!!

- Michael B., Firebaugh, CA
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 Nov. 28, 2022
He explained everything really well and answered all my questions as well- great service!

- Sheila R., Rochester, MN
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 Nov. 28, 2022
Very insightful and helpful.

- Benjamin S., Louisville, KY
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 Nov. 28, 2022
Very easy to work with and through. Answered all of my questions.

- John P., Jacksonville, NC
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 Nov. 28, 2022
Brittany has been in contact with me for several months to keep me up dates on what we had decided to do about my policy. She has ...

- Kenneth S., La Vergne, TN
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 Nov. 28, 2022
Very easy to talk to

- Jordan K., Everett, WA
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 Nov. 28, 2022
Kevin was extremely helpful in finding the right policy for me!

- Geoffrey L., Manchester, NH
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 Nov. 28, 2022
Jesenia un exelente persona profecional Me ayudo en todo muchas gracias

- Marcelo A., Bethlehem, PA
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 Nov. 28, 2022
Understood my request and extremely knowledgeable. very polite.

- Kathleen M., Mystic, CT
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 Nov. 28, 2022
Great

- Jesus Alberto F., Orlando, FL
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 Nov. 28, 2022
thanks

- Danielle H., Lexington, KY
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 Nov. 28, 2022
thanks

- Matthew H., Lexington, KY
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 Nov. 28, 2022
Paul was very professional, helpful and informative. I had all my questions answsered in less than five minutes.

- Cynthia C., Chicago, IL
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 Nov. 28, 2022
Great service

- Chris G., Bay City, MI
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 Nov. 28, 2022
Great service

- Tracey G., Bay City, MI
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 Nov. 28, 2022
We had a good conversation about options and choices that were beneficial in determining what would work best for me. Thank You

- Mark J., Port Saint Lucie, FL
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 Nov. 28, 2022
Mike did a great job if providing me the service and rates I requested. I will certainly consider purchasing life insurance from h...

- Peter G., Underhill, VT
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 Nov. 28, 2022
He was very helpful and explained everything so well to help me understand the whole process.

- Kathryn P., Watkinsville, GA
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 Nov. 28, 2022
Initial phone call was good. See how the rest goes.

- William M., Suffern, NY
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 Nov. 28, 2022
Very nice to work with.

- Sandra C., Athens, OH
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 Nov. 28, 2022
he was fine. Life Quotes not so good with your 100 questions.

- Norman B., Ormond Beach, FL
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 Nov. 26, 2022
Very customer oriented

- Herbert M., Houston, TX
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 Nov. 26, 2022
Everything was clear and well explained. Thank you

- Juan J., Lodi, NJ
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 Nov. 25, 2022
very nice and knowegable

- Jeremy H., Shawnee, KS
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 Nov. 25, 2022
Very helpful

- Carla L., Ca, CA
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 Nov. 25, 2022
Hate where the email states I can view my quote by clicking when what in reality what it means is click on the tab/button and you ...

- Debborah S., Dallas, GA
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 Nov. 25, 2022
Great service and knowledge

- Gary W., Toledo, OH
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 Nov. 25, 2022
She was very nice !!!

- Bobby T., Kaufman, TX
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 Nov. 24, 2022
She made sure I understood the policy I'm getting.

- Irma L., Zachary, LA
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 Nov. 23, 2022
Excellent service

- Wendy P., Miami, FL
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 Nov. 23, 2022
Great service, quick, informative, knowledgeable.

- Yanely R., Hialeah, FL
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 Nov. 23, 2022
Anna is very Professional, Prompt and Polite. You know...the 3 P's. I've enjoyed working with her and I feel she has my best int...

- Matthew R., Redlands, CA
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 Nov. 23, 2022
Very helpful !! Answer all my questions . Took her time explaining everything to me! Thank you!!

- Kelly S., South Amboy, NJ
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 Nov. 23, 2022
Very professional and will informed. Answered all my questions. Moved thru the application process quickly and explain everything ...

- John S., Garland, TX
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 Nov. 23, 2022
Outstanding service with Nicole. She was remarkable and very quick service. Helped me they the whole process.

- Paul F., Pembroke Pines, FL
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 Nov. 23, 2022
Excelent

- Fernando T., Norwalk, CA
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 Nov. 22, 2022
excellent service and patience thanks

- Jaime A., West Valley City, UT
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 Nov. 22, 2022
I got the answers I was looking for. Thanks!

- Victorine O., Gaithersburg, MD
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 Nov. 22, 2022
He's very helpful and accommodating.

- Elvira R., San Leandro, CA
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 Nov. 22, 2022
Ms. Robin took her time explaining any questions I had. And if I have questions later to call her.

- Jerry B., Arlington, TN
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 Nov. 22, 2022
Very nice and cool guy! Thank you

- Costel N., Parker, CO
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 Nov. 22, 2022
Joan is very professional and knowledgeable of the insurance policies and options available from each carrier discussed. I was abl...

- Tihesha S., Gaithersburg, MD
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 Nov. 22, 2022
Excelente customer service

- Fernando V., Rohnert Park, CA
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 Nov. 21, 2022
She was very knoweledgeable and helpful and friendly and said she would research my policy and follow up with me next week. That ...

- David D., Prescott, AZ
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 Nov. 21, 2022
Seth Schnuit Did a perfectly fine job of trying to get us life insurance To my husband And for this I truly appreciate

- Garry H., Lakeland, FL
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 Nov. 21, 2022
Abigail was knowledgeable, professional, patient.

- Margaret M., Fruitland, NM
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 Nov. 21, 2022
Appreciate him taking over my account.

- Ronnie G., Palm Desert, CA
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 Nov. 21, 2022
.

- Jack C., Rochester, NY
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 Nov. 21, 2022
Henry is always very helpful and quick to respond. He is a great asset to your company.

- Myra I., Marietta, GA
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 Nov. 21, 2022
Very friendly and responsive.

- Mark A., Ramona, CA
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 Nov. 21, 2022
Iím

- Reginald R., Annapolis, MD
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 Nov. 21, 2022
Kristina is always pleasant and is working hard to get my insurance completed.

- Sandi H., Allison Park, PA
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 Nov. 21, 2022
Very helpful and patient for health info.

- Rhoda M., San Antonio, TX
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 Nov. 21, 2022
Excellent customer service o

- Rupert S., Ridgewood, NY
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 Nov. 21, 2022
Jamie was great and provided all the information that I was asking for. Very competant.

- Jaspreet S., Murrysville, PA
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 Nov. 21, 2022
Answered all that I asked . All well understood.

- Godwin N., Joppa, MD
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 Nov. 21, 2022
very through

- Gene C., West Yarmouth, MA
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 Nov. 21, 2022
He seems to be very knowledgeable about life insurance

- George S., Parkville, MD
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 Nov. 21, 2022
Professional and helpful!

- Walter B., Norwood, NC
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 Nov. 19, 2022
excellent!!

- Tatiana E., Fort Myers, FL
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 Nov. 19, 2022
Very satisfied

- Candida R., Cumming, GA
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 Nov. 19, 2022
Iím satisfied with her help.

- Cesar R., Cumming, GA
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 Nov. 19, 2022
Helpful, knowledgeable, and very clear to understand! For someone with not clue where to start and unsure, she was very helpful. I...

- Karen M., Lake Charles, LA
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 Nov. 19, 2022
Quick to reply Efficient and professional

- Chris B., Smyrna, GA
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 Nov. 18, 2022
Courteous, professional, explained as well as understood what I was looking for in life insurance

- Daniel W., Shallotte, NC
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 Nov. 18, 2022
Very professional, listened very carefully and explained all details.

- Mary W., Shallotte, NC
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 Nov. 18, 2022
Shes awesome. Such a big help.

- Anthony A., San Mateo, CA
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 Nov. 18, 2022
Good

- Justin M., Sandersville, GA
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 Nov. 18, 2022
Very efficient experience

- Daniel C., Dover, NH
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 Nov. 18, 2022
Larry was awesonme! Polite, knowleadgeable and informative.

- Robert D., Windham, NH
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 Nov. 18, 2022
He was very kind and make us happy and explain very clearly and very patient and very nice a person.We are lucky to talked to him....

- Ryan K., Roseville, CA
"This really is power shopping. I was able to get dozens of quotes in less time than it takes to get one."
Microsoft Moneyinsider.com
Life Quotes Inc. BBB Business Review

Past Accolades
(Yeah, we're blushing)

  • 2022: LifeQuotes celebrates 25 consecutive years of A+ rating by BBB
  • 2022: LifeQuotes reaches 115,000 positive customer service reviews averaging 4.66 stars
  • 2022: LifeQuotes attains 1,000 Google Reviews averaging 4.8 stars
  • 2021: "...LifeQuotes stood out because it supplied consistently low pricing and appeared to work with more insurance companies than the others, all highly rated for financial security." --Philadelphia Inquirer
  • Life Quotes, Inc. is rated A+ by the BBB and has held this rating since December 1, 1997. --Better Business Bureau
  • "2017 Life Insurance Innovation" award winner... --Life Insurance Direct Marketing Association
  • "The premier Web site in terms of details and ease of use..." --Yahoo! FINANCE
  • Twice Ranked #1 life insurance website by --Kiplinger's
  • Named a "100 Most useful website" --MSN Money
  • Past Winner: Forbes' "Best of the Web"" --Forbes
  • The best web site I've found..." --Dallas Morning News
  • "...we'd recommend you do your insurance shopping here..." --Barron's
  • "...outstanding - as good as a Web site on insurance can possibly be. Hats off and a gold star to the top insurance site on the Web." --Insurance for Dummies

Frequent Life Insurance
Questions and Answers

Fundamentals of life insurance
  • What is life insurance?
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  • Life insurance is a contract or agreement between an insurer and a policyholder in which the insurer agrees to pay a specified amount of cash in the event that the insured dies while the contract is in force. The insurance company promises the death benefit in consideration of the payment of premium by the policy owner. The death benefit is payable to the beneficiary, which is a person, trust or corporation that has been named ahead of time by the policy owner. The most common use of life insurance is to replace lost earnings of a family breadwinner. Example: John, a 45-year-old husband and father of three, makes $95,000 per year as a salesman. John has elected to carry a $1,000,000 policy on his life, which costs only $49 per month. His wife is his named beneficiary.

  • How much life insurance do I need?
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  • Recognizing that each person's situation is different depending upon their age, income, net worth, debt, lifestyle, desire to leave an inheritance, the number and age of dependents and amount of life insurance provided by an employer (typically not more than 2x annual earnings), here are some basic guidelines:

    • For people who work, have children or a mortgage: 10-15 times your annual income
    • For home caregivers with little or no earned income: $300,000
    • For burial coverage and final expenses only: $10,000 - $25,000
    • For children up to age 18: up to $25,000

    For a quick, easy, and confidential way to estimate your life insurance needs, try our Life Happens Needs Calculator. Do not rely solely upon employer-provided life insurance because it's probably not enough, and it's probably not portable if you leave or change jobs. Ownership of that kind of policy resides with your employer, not you, and that might not be the best situation for your long-term family needs.

  • Which initial rate guarantee should I buy?
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  • If you are working and have children or a mortgage, we recommend buying cheap term life insurance to cover you until your youngest child has graduated from college or until your mortgage debt is paid off, whichever is longer. This conservative approach means that you'll have coverage through the critical period of family life. Make sure to also review quotes for those life insurance plans that now offer early payouts for long term care expenses or a critical medical event such as heart attack or cancer. Those plans are soaring in popularity because that extra protection often costs no more or only a small amount more.

    Let's say that you estimate that your youngest will be out of college in 14 years and that your mortgage has 20 years to go. We'd then recommend that you buy a 20-year initial rate guarantee policy. Once the children are on their own and the mortgage is paid off, you may or may not have a need for life insurance.

    However, during the formative, "high risk" years in which you have dependents and debt, we recommend loading up on cheap term life. Families with special needs children should discuss with us their needs because we'll often recommend a lifetime policy in that case.

    If you're looking to have insurance for funeral costs and other final expenses, however, you should consider what's called "final expense" whole life insurance that is available with no exam required and often with no health questions asked.

  • What's covered and not covered on the modern life insurance policy?
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  • Modern life insurance policies generally cover death by any cause, at any time, in any place, except death by suicide within the first two years of a policy (one year in some states). An exception to this is a single-peril policy such as an accidental death policy that pays when the death was caused by a covered accident. Accident-only life policies are popular because there is no underwriting and no exam required. Accident is today the #1 leading cause of death for Americans age 1-45.

  • What is the difference between term life, whole life and universal life insurance?
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  • Term Life insurance is designed for people who want coverage for a set number of years, normally 10-30 years. Premiums stay level during the initial rate guarantee period. Term life is designed to replace lost earnings of a family breadwinner and is thus very popular among parents. Term Life is economically priced because it pays only if the insured dies; there is no cash value buildup.

    Whole Life (and Universal Life) insurance are generally designed to provide a level amount of coverage at a guaranteed rate for the entire life of the insured. Whole Life accumulates cash value over time while Universal Life can be setup to have cash values or no cash values. Right now, a version of Universal Life that offers level premiums and coverage for life with no cash value is very popular with life insurance buyers.

    "Final Expense" insurance is a popular form of whole life coverage that is sold in amounts up to $25,000. This kind of policy is designed to pay for burial and other final expenses. Final Expense coverage typically does not require medical underwriting; some policies require medical questions while others have no medical questions and are known as guaranteed-issue.

  • What is the difference between "guaranteed issue" and "accidental death" insurance?
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  • 'Guaranteed Issue' means there are no health questions or exams to obtain a policy.

    'Accidental Death' is a type of life insurance that pays only if you die as a direct result of an accident.

  • What are the differences between life insurance companies? Why are some less expensive than others?
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  • Life insurers compete through underwriting strategies based on factors related to the health and lifestyle of applicants.

    So, a customer with certain characteristics might find that one company to be the least expensive option, while another customer with different characteristics would find a different company to be the least expensive.

  • What does "waiver of premium" mean?
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  • Waiver of premium means that, if you are unable to pay your premiums due to permanent or total disability, the premiums are waived for a certain period of time. Each company has their own standards for waiver of premium.

  • I have employer-paid life insurance at work. Why should I buy a personal life insurance policy?
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  • Today, 108 million Americans are covered under employer-provided life insurance vs. 102 million who own personal life insurance policies. What's wrong with this picture?

    Four major pitfalls of relying upon employer-provided life insurance include:

    • Dangerous Underinsurance. Most employer life insurance plans provide 1 or 2 times a person's annual salary in benefit, yet most financial planners recommend a minimum of 10x your earnings in life insurance coverage. Leaving your loved ones with only one year of earnings seems almost cruel.
    • No Portability. If you leave your job, as most people do at some point, your life insurance melts away and stays with your former employer. In most cases you cannot take it with you or convert the group policy to an individual policy.
    • Lack of Convertibility. The ability to convert a personal term insurance policy into a permanent life insurance policy without medical exam or medical questions is a Godsend for insureds who become ill and uninsurable on the open market. Convertibility is a key feature of term life insurance and may not exist at all in an employer-provided life insurance policy.
    • Loss of Control. An employer-provided life insurance policy is just that i.e. it's owned and controlled by your employer and can be taken away or modified at any time. You can choose your beneficiary but that's about it.
Applying for coverage
  • Should I get coverage for my spouse if he or she is not working outside the home?
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  • Yes, in almost all cases. A non-working spouse might not produce income, but if he or she should die, there will often be a need to pay for childcare, funeral arrangements, and other final expenses. Typically, a non-working spouse can purchase 50%-100% of the life insurance benefit of a working spouse, but underwriting rules vary by company.

  • Am I eligible for life insurance even if I'm a homemaker?
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  • Yes, you are eligible for coverage. Please review the illustrated acceptance guidelines after you complete your profile.

  • Should I get life insurance for my children?
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  • There are several reasons to consider buying life insurance for your children.

    First, while the mortality rate for children is low, you'll want to have money for final expenses should they tragically fall victim to an illness or accident.

    On the brighter side, policies for children are often whole life policies that build cash value, which can later be accessed for college or given as a gift when they become adults. Some child policies allow coverage to be increased without proof of insurability.

    You may find it convenient to add a child "rider" to your own policy when you apply for coverage. All eligible children can generally be covered for one price.

  • Can I purchase life insurance on my parent?
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  • Sure, as long as these conditions are met:

    • The proposed insured is made aware of the purchase;
    • He or she can read English and has the mental capacity to understand what is being transacted; and
    • He or she knowingly signs the application.

  • I've had some health issues. Can I still get life insurance?
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  • Yes, we have something for everyone, regardless of your health history. Just go to www.lifequotes.com and click 'View Instant Quotes' to get quotes tailored to your specific situation.

  • How do I apply for a policy?
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  • You've already taken the first step by coming to www.LifeQuotes.com.

    Click "View Instant Quotes", start your application, and click for a price comparison among our 50 different companies. You can complete your application online or call us to speak to one of our licensed agents.

    Once you've completed the application, you'll be assigned to a LifeQuotes employee who will assist you.

  • Do I have to take a medical exam?
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  • Not necessarily. We have many no-exam options available for those who don't have the time or don't want to take a medical exam.

  • Do I need to provide my medical information?
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  • Yes. All life insurers underwrite coverage based upon an applicant's health history; most will require access to your health records.

  • Will being pregnant make a difference in my application for insurance?
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  • Yes. Some companies may not offer coverage until you have given birth.

    Of those companies that might cover you, you need to know that:

    • Your quote will reflect your weight when you apply, and
    • Pregnancy can affect your lab results, resulting in a higher price.

    Please contact us if you are pregnant, and we will review your options.

  • The application asks me for a driver's license number, and I don't have one. What do I do?
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  • It's okay to enter "N/A" (Not Applicable).

  • Can I complete a "no exam" application for someone else?
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  • No, the person seeking coverage must complete the application himself or herself. This can be done online or over the phone with an agent.

  • How can I apply online for someone from out of state?
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  • Generally, you shouldn't.

    Every applicant should complete his or her own application because:

    • Insurers require responses in the first person;
    • The application becomes a permanent part of the policy; and
    • Answers are considered to be warranties of accuracy.

    Only under rare circumstances can one person buy life insurance on another. Even then, the insured person must be available to answer questions.

  • Can I list anyone I want as the beneficiary?
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  • A beneficiary must have an insurable interest in your life.

    That is, a beneficiary must be someone who would be negatively impacted financially in the event of your passing. This includes, but is not necessarily limited to, your spouse, child, or other family member who is financially dependent on you.

  • I don't see where to add a contingent beneficiary.
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  • Once a policy is issued, a policyholder can, at any time, establish or change contingent beneficiaries, who are paid only if primary beneficiaries are not living at the time of an insured's death.

    This online application does not have a contingent beneficiary section; the paper version does. We advise that you complete the application and submit to underwriting. Once the policy is issued, we can provide a beneficiary change form.

  • Do I have to get two separate policies if I want both my significant other and children as beneficiaries?
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  • Most companies will allow you to do this either with one policy or two. It's entirely your choice.

    Since life insurance pricing is a bit like buying in bulk, you may save money by purchasing more coverage under one policy and splitting the death benefit among the different beneficiaries.

  • Can I get the price listed on the flyer I got through the mail?
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  • Yes, the sample rates shown in our ads are real and available to applicants who have no ratable health or lifestyle issues. Prices are based on age, gender, health, and lifestyle details.

  • I want to complete an application.† How do I choose a company?
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  • We provide as many options as possible, but all of our carriers are very highly rated with A.M. Best, Standard and Poor's, and other rating agencies. Any one you choose will have an excellent reputation.

    Most people choose the company that costs them the least, but the choice is entirely up to you.

Awaiting approval
  • How long does it take to get new life insurance?
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  • It varies from company to company, but rarely more than 30 days.

    Some companies that do not require paramed exams can issue policies immediately for healthy individuals seeking less than $500,000 in coverage. Also, most life insurers provide coverage during the underwriting period, as soon as an application is signed.

    It can take longer than 30 days for final approval if medical information must be obtained from several sources.

  • Do I have coverage while I am waiting for my policy?
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  • Generally, yes.

    Most companies offer a Temporary Insurance Agreement (TIA) or Conditional Coverage. If you choose to apply for the TIA/Conditional Coverage, are eligible for the coverage, and remit payment with your application, you can be covered during the underwriting process.

    Some of the no-exam or instant-decision products do not offer this feature. In that case, our application will have details of the terms and conditions of any temporary coverage.

  • What is an "initial rate guarantee period" on a term life policy, and what happens when it ends?
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  • When you purchase a term life policy, your premium will typically be guaranteed for a defined period of time. When that period ends, a policyholder typically has these options:

    • To let the policy lapse;
    • To continue the coverage for a higher premium;
    • To continue paying the same premium for less coverage; or
    • To convert the policy into a permanent policy.

    Most importantly, the last three options can often be exercised with no medical exam. Given that, we advise that you consult a reliable life insurance agent. Never allow your coverage to lapse without doing so.

  • Once I'm approved, will the insurance company immediately draft the premium, or will I be notified first?
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  • If approved at the rate you applied for, you can expect a draft to be made immediately against your account.

    If the price is going to be different from what you applied for, the insurance company cannot draft. LifeQuotes will then notify you of the new price and discuss your options.

  • Will the price change from the quote that I see on your website?
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  • To get a policy issued at a requested price, make sure you meet the 'Acceptance Guidelines' on our illustration. The insurance underwriters will then review your file and make the final determination regarding price.

    Once a policy is issued, the prices cannot change during the initial rate guarantee period.

The role and value of LifeQuotes
  • Why should I buy through LifeQuotes?
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  • With something as important as life insurance, you need an advocate working for you. That's what you get with our 37 years of experience under the same management, 90 insurance professionals, and 390,000 sales.

    Whether you need $10,000 in coverage or $25 million in coverage, we have the expertise to give you sound, unbiased advice so you can have peace of mind. We have held an A+ rating with the Better Business Bureau (BBB) for over 10 years.

  • What companies does LifeQuotes represent?
  • We represent 50 leading life insurance companies, far more than most insurance agencies. Our selection ensures that you will pay the least amount of money for a life insurance that best meets your needs.

    Our carriers include:

    • American General Life (AIG)
    • Banner Life
    • Gerber Life
    • John Hancock
    • Mutual of Omaha
    • Pacific Life
    • Protective Life
    • Prudential Life
    • Transamerica Life
    • William Penn
    • and many more.

  • How can I find quotes for life insurance?
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  • For personalized quotes, go to www.lifequotes.com, and click 'View Quotes Now'.

    You will be asked to provide your height, weight, and age, then asked some questions regarding your tobacco use, health, and lifestyle. Please answer all questions, and you will be able to view all available quotes. You can even complete the application online.

  • Can I apply directly to the company for coverage?
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  • The 50 companies available through LifeQuotes sell through independent agents. Very few of them sell directly to consumers.

  • I would prefer to complete an application with an agent over the phone.
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  • Please call 1-800-324-6370.

  • How do I apply for me and my spouse? Would it be better to go to the insurance company directly, or apply online at www.lifequotes.com?
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  • There are important benefits to applying online or by phone with LifeQuotes.

    First, many of our companies do not sell directly to consumers. By using us, you are able to compare many different companies and plans, to ensure you are getting the best option you. If you go directly to an insurer, it may only have one or a few plans to offer.

    Secondly, our experienced support staff can help you through the process, answering your questions and alerting you to important considerations you may not be aware of.

  • Where on the website can I see "return of premium" plans?
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  • Return of premium plans are listed at the bottom of each term policy option. Each plan will have 'Return of Premium' or 'ROP' in their plan title.

  • Where can I see the whole life plans?
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  • We automatically provide whole life quotes on all requests. When you get to the screen that displays quotes, see the quotes under the tab called, 'LifeTime Plans'.

  • Do you have a term life policy that allows me and my spouse to be fully insured on the same policy?
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  • No, you and your spouse would have to apply for separate term policies for each of you to receive the full amount of coverage. Some policies offer 'spousal coverage' riders but those riders are often for small amounts of coverage.

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