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Our Wellness Analyzer elements in underwriter criteria from the insurance companies, so our quotes are the most accurate accessible. We never ask for your personal make contact with info in order for you to have access to our database of life insurance quotes. In order to obtain these quotes, you have to pay a visit to an online quotes provider with a quote program that consists of a simple, anonymous term life insurance quote questionnaire. If the 20-year term passes and you do not die, your policy simply would expire.