- 25,048
Hard to believe I am complimenting Zander...
The reason the rates from Zander were higher is that they are quoting table rated premiums. The guy at NWM is almost certainly quoting standard. NWM is not known as being a generous underwriter, the odds of you getting standard with any company, much less NWM, are very slim.
The rates you saw from Zander are almost certainly much closer to reality.
This is the problem with comparing quotes, particularly if there is anything impacting insurability. The agent is just picking a rate class and showing it to you, it isn't worth the paper it is printed on. I could show you rates at preferred plus that would blow away NWM, but you'd never get it. I would get your attention and then I'd have to try to sell you on the real rate when it came in. That is probably the game the NWM agent is playing. He wants to reel you in, get you so invested that when he gives you the real rate, you won't bother looking around any more. That or he is clueless and has no real idea what your Crohn's has done to your insurability.
"" I could show you rates at preferred plus that would blow away NWM, but you'd never get it. I would get your attention and then I'd have to try to sell you on the real rate when it came in. That is probably the game the NWM agent is playing. He wants to reel you in, get you so invested that when he gives you the real rate, you won't bother looking around any more.""
Back in the olden days when online quotes were new I would try to explain this to prospects and even said great I can quote you Preferred Plus. Had more success arguing with a rock or my teenage son. My guess is those prospects are still shopping online.