About Big Lou Life Insurance
Big Lou is the consumer brand of TermProvider, an independent life insurance brokerage based in Fort Walton Beach, Florida.
We help people compare life insurance options and navigate the underwriting process — especially when medications, medical history or other risk factors make the answer less obvious.
Who We Are
TermProvider is an independent life insurance brokerage serving clients across the United States.
Big Lou is the consumer-facing brand created to make life insurance easier to understand for people who don't necessarily fit the industry's picture of perfect health.
We work with multiple life insurance companies and help clients compare available products, prices and underwriting approaches.
We are not the insurance company. We help you decide which insurance company may make the most sense for you.
Why Big Lou?
The Big Lou brand began with a simple idea:
We're just like you. We're on meds too.
Lots of people need life insurance who also take medication, use a CPAP, have Type 2 diabetes, have dealt with heart disease, carry some extra weight or have another medical history that affects underwriting.
Those people shouldn't have to pretend they're perfectly healthy just to get a useful life insurance conversation.
Learn more about the Big Lou philosophy →
Our Specialty: Underwriting
Comparing life insurance prices is relatively easy.
The more difficult part is understanding how different insurance companies may evaluate your medical history.
One carrier may be more comfortable with diabetes. Another may be more favorable with treated sleep apnea. Another may have different height-and-weight guidelines. Another may have a stronger appetite for a particular cardiac history.
We don't just shop prices. We shop underwriting.
That approach becomes especially important when the lowest quote on a computer screen may not reflect the rate class an insurance company is actually willing to offer.
The Health Histories We Work With
Big Lou regularly works with applicants dealing with underwriting issues such as:
- Type 2 diabetes
- Sleep apnea and CPAP treatment
- High blood pressure
- Elevated cholesterol
- Heart attacks, stents and bypass surgery
- Elevated BMI
- Cancer history
- Prescription medications
- Multiple medical conditions
- Previous life insurance declines
- Table-rated or higher-than-expected offers
Having one of these conditions does not guarantee approval or a particular rate.
It simply means choosing the underwriting path can matter more.
How the Big Lou Process Works
1. We Learn About You
We start with what you're trying to accomplish, the coverage you need and the basic health information that may affect underwriting.
2. We Estimate Where You May Fit
We look at medications, diagnoses, build and other relevant information to estimate the rate classes and carriers that may realistically fit your profile.
3. We Compare Underwriting Paths
Sometimes accelerated or no-exam underwriting makes sense. Other situations may benefit from a more traditional underwriting process.
4. You Decide Whether to Apply
There is no obligation to purchase simply because you talk to us or receive a quote.
5. We Stay With the Case Through Underwriting
The sale is not the end of the process. Applications, medical records, underwriting questions, approvals and the final policy offer all still have to be managed.
Why We Ask Health Questions Before Giving You a Rate
Anybody can show you the lowest price in a quoting system.
The question is whether you are likely to qualify for the rate class behind that price.
Asking about medications, height and weight, diabetes, sleep apnea, heart history and other medical issues can make the first conversation a little more detailed.
But we'd rather have a more realistic conversation upfront than surprise you after underwriting.
Learn why Big Lou calls unrealistic quotes “Mythical Rates” →
Your Rate Class Matters
Preferred Plus, Preferred, Standard Plus, Standard and table-rated classes can produce very different premiums.
And different insurance companies may put the same applicant in different classes.
See the Big Lou Ratings Ladder →
Technology When It Helps. People When They Matter.
Big Lou is not anti-technology.
Modern accelerated underwriting, electronic medical information and digital applications can make buying life insurance much easier.
We use technology throughout the process.
Fast when it can be fast. Expert when it needs to be expert.
What Happens If Underwriting Doesn't Go as Expected?
Sometimes an insurance company offers a higher rate than expected.
Sometimes it postpones the application.
Sometimes it declines the case.
When that happens, our first job is to understand why.
Then we can determine whether another insurance company, additional information or simply more time may make sense.
If you already have an underwriting result and want another opinion:
Get a Life Insurance Underwriting Second Opinion →
If you've already been declined, you can also read our guide to what to do after a life insurance decline →
We Don't Need Your Money on the First Call
The first conversation is about understanding what you're looking for and whether we can help.
You don't have to buy a policy simply because we give you a quote.
Compare the options. Ask questions. Shop around if you want to.
We'd rather earn the business than pressure you into it.
What We Need From You
Be accurate with us.
Tell us about the medications, diagnoses, medical procedures, driving history and other information that could affect underwriting.
The goal isn't to hide the medical history.
The goal is to understand it well enough to choose the right place to send it.
Upfront. Honest. Realistic.
Big Lou is built around a simple idea:
Anyone can quote you a low price. The trick is getting a policy issued at that price.
Our job is to help you get from the quote to the policy with as few surprises as possible.
Frequently Asked Questions
Is Big Lou an insurance company?
No. Big Lou is the consumer brand of TermProvider, an independent life insurance brokerage. Life insurance policies are issued by the insurance companies represented through the brokerage.
Where is Big Lou located?
Big Lou and TermProvider are based in Fort Walton Beach, Florida and serve clients across the United States where licensed.
Does Big Lou work with multiple life insurance companies?
Yes. Big Lou is an independent brokerage and works with multiple life insurance carriers. Product and carrier availability can vary by state and applicant.
Does Big Lou specialize in people with health conditions?
Big Lou focuses heavily on applicants with health histories or medications that can make life insurance underwriting more complicated, including diabetes, sleep apnea, cardiac history and elevated BMI.
Can Big Lou guarantee I'll get the lowest price?
No. No brokerage can guarantee an insurance company's underwriting decision or final premium. Big Lou can compare available carriers and help identify underwriting paths that may fit your health profile.
Does Big Lou offer no-exam life insurance?
Accelerated and no-medical-exam options may be available for qualifying applicants. Requirements, coverage amounts and availability vary by carrier, product and applicant.
What if I've already been declined or received a high rate?
Big Lou can review what happened and help determine whether another carrier, additional information or another underwriting strategy may be worth considering. Another result is never guaranteed.
Ready to Talk to Big Lou?
Tell us what you're looking for and a little about your health history. We'll help you understand which underwriting paths may make sense.
No pressure. No obligation.
Disclaimer: This page provides general educational information and is not a guarantee of eligibility, approval, rate class, premium or savings. Life insurance products, underwriting guidelines and availability vary by insurance company, state, product and individual applicant. Big Lou is the consumer brand of TermProvider, an independent life insurance brokerage.