An Insurance Broker works independently, and not for any particular insurance company. Health and Life Strategies represents only carriers with A ratings who will be around in 30 or 40 years when you need the money. Each insurance company may offer rates differently depending on your age, sex and other demographic factors. We will search several carriers and rates to find the right provider to maximize the value for your insurance dollars. It costs no more for you to let us do the leg work for you. Call Health and Life Strategies today or simply request a quote. Let us know what concerns you have.