Another bonus of shopping among several agents and/or bro?kers is the increased exposure QuotesChimp will have to the many com?panies in the market. Remember, when you speak to five independent agents or brokers about insurance, you may be com?paring 50 different insurance companies! Finally, don't forget to compare the products of the independents and brokers with those of exclusive agents. By taking a week or so to allow the insurance professionals to do their thing, you will have given yourself a solid grasp of what is available on the market and at what prices.
Obviously, in real life few underwriting decisions are that easy or clear-cut. When Quotes Chimp apply for insurance you come to the underwriting table with a mix of characteristics that will be considered as either positive (presenting a low risk to the company) or negative (presenting a high risk to the company). The under?writers will then consider your entire statistical profile and decide whether, overall, you present an average risk to the company (standard), a high risk (substandard), or a low risk (preferred). Preferred risks will be quickly accepted and offered the best price. Standard risks will be accepted and offered the standard price. Substandard risks will either be rejected, or accepted on the condition that they pay a higher price or, sometimes, that they accept lower benefits.
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