To obtain the most accurate instant quote, be sure to be as honest with yourself as possible about your overall health before submitting. Use other people near your age as a guide and select the “health class” that best defines you. Most seniors should select “Excellent” unless your medical record indicates a combination of serious conditions. Rates are only firm once the insurance company has received a completed application and approved it. Rates are subject to meeting the specific health criteria of the policy. This is not an offer for insurance coverage though you may apply online or by phone after receiving your free quote.