hello, my name is vic schumacher. the companyis hpe financial services. the question i was just recently asked was, what is the differencein life insurance companies? well, our agency is a brokerage agency, and we represent allthe major insurance companies. if someone comes and asks, what is a life insurance policygoing to cost? then we can shop that different particular companies. the difference in companies,and the difference in premiums, all of a sudden, comes to the surface. some companies are verystrict in underwriting, which makes their premiums higher. other companies are verylax in underwriting. they'll accept anybody, and their premiums are lower, but if theirpremiums are lower each time, eventually that's going to come back, and have a negative effecton the consumer, so the difference in companies,
is their financial strength. what do theydo with their premiums that you give them?how do they invest them? are they a rated, aaarated, b companies? how long are they going to stay in existence? it's a big factor. whenyou're considering a life insurance policy, i suggest you talk to someone who representsa variety of companies, and let them guide you through that maze. my name is vic schumacher.the company is hpe financial services, helping people everyday.