To find the best possible rates, consumers should understand the prequalification process as it relates to the life insurance industry.

Prequalification should always be made available to you free of charge, without obligation. If your current broker charges a fee for prequalification, then you should look elsewhere.

Prequalification gave me the comfort of knowing where I stood in terms of securing life insurance before I made a formal application.
Darran, New York

Your broker should offer prequalification as a matter of course - as a matter of serving the consumer in the most responsible and ethical manner. In this sense, prequalification is a "way of doing business," rather than a separate service to be added on to the consumer's bill.