TermQuote® continually monitors the current rates of life insurance companies in the open market. Our proprietary database along with our knowledgeable agents then narrows down the insurance companies to the ones that can offer a particular person the best available rate for their qualifications. Each life insurance company has different underwriting guidelines. TermQuote® tracks these underwriting guidelines for each company so that their clients apply with the right insurance company for their situation. It’s important to find the company with the right niche for a person’s health issues or medications because pricing can vary drastically. It’s also important to buy your policy from a highly rated insurance company. For this reason, TermQuote® monitors the AM Best ratings for each insurance company.