Reduce.com works with many different insurance companies and brokers. Some process applications quickly and efficiently. Others are less efficient. Our evaluation is based on:
 

1. The ease of completing an insurance company's application.
    
2. The time it takes to "underwrite" an application.
    
3. The flexibility in underwriting (will they turn their rules on close situations to allow you to qualify for the lowest rates?).
    
4. How efficiently the insurance company collects all necessary information and completes the underwriting process (the percentage of cases requiring additional information).
    
5. The amount of time it takes to get your policy approved and issued.
    
6. The effectiveness and timeliness of their communication with us.

The ease of obtaining a life insurance policy, the price, selecting an insurance company brand you recognize, and financial strength are important factors to consider when selecting an insurance company. Please use our online information to select the carrier that's right for you.

We have converted our customer placement rates into rating system using stars. Our highest customer placement rating is (5) , our lowest rating is (1) .

Rating	Definition
	Excellent
	Very Good
	Good
	Average
	Poor

If you have recently applied for life insurance trough Reduce.com, please tell us about your experience.