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Rates which may be provided on-line or via e-mail, mail, or fax are estimates and are generally reflective of the info you have provided. Rates provided in this manner are not firm quotes or offers, but rather estimates by the various insurance companies. Rates and availability are subject to underwriting approval by the insurance company selected, and the criteria to qualify varies widely among insurance companies. Any and all required illustrations, applications, supplemental forms, and other documents necessary to evaluate and/or apply for life insurance coverage will be provided as soon in the process as they become necessary.