Sagicor is one of the best , hope that is better for ya :-) For example KSKJ is cheapest for age 64 male (FEX QUOTES) -$25k -$99 a month while Sagicor is $58 at preferred and $74 at std. Sagicor's comp is lower than the traditional FE carriers but based on price it wins most of the time. E-APP is great as most get approve in under 10 mins.