Rates can change due to lab results that neither you nor the agent were aware of. Rates can change if you forgot to include some medical information on the application. Probably the most common reason for the rate to be different is because the agent didn’t ask all the health questions and/or didn’t know the underwriting guidelines of the company and quoted you something you didn’t qualify for, at least with that company. If your rate came back higher than you expected, a second opinion from a different agent should help. Never accept a higher rate without a second opinion. Want more information?