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I'm not an agent.
Then the answer is simple, exactly what companies are you asking about?
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I'm not an agent.
The worst policies are often the most expensive! It appears to me that they survive by paying higher commissions than the quality companies.
You will have a difficult time finding a link between the cost and the quality of policies.
One company might be better for children. One might be better for overweight clients. Another company might be better for smokers or large families. There really isn't much of a pattern.