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Quotes provide strictly a baseline premium based on the data requested in the quote form. The base premium can be adjusted based on a full underwriting and application. An application will generally include more detailed health information, medical records, an exam, interviews, etc. With an application, the insurer can make a more thorough assessment of their risk exposure and decide whether to approve your application as is, decline it, approve at a higher rate, approve with certain conditions, etc.
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