Carriers assess health histories differently. The same applicant may receive different underwriting decisions or premiums, so comparing available options can be useful. A preliminary assessment is not an approval.
A captive agent can explain that company's underwriting and coverage. An independent agent can consider alternatives within a contracted network. Online platforms vary: some offer licensed advice, while others are largely self-service.
Ask which carriers are available in your state, what assumptions a quote uses, how compensation works and who will help after the policy is placed. Compare policy features and long-term affordability as well as price.