I'm not tied to one company. As an independent agent, my job is to find what fits you, not to sell one company's product.
Prices vary from carrier to carrier. Each company looks at age, health, and tobacco use differently, so shopping around can help lower your cost.
More chances of approval. If you have health conditions, some carriers may be a better fit than others.
One agent, many options. I do the comparing for you, so you don't have to call company after company.
Carrier availability and products vary by state.