Dave Ramsey can obtain an indication on your behalf and avoid negative information appearing on your MIB (Medical Information Bureau records). He will assist in maintaining your privacy, discreetly discuss your medical issue, while obtaining the best offer available out in the life insurance market. Rest assured, an internet life insurance website will not offer this personal and private level of service. Frankly, they do not care what ultimately appears on your MIB records and that fact may become problematic down the road as you apply for future health, disability or additional life insurance. WTPhelan cares about their clients today and into the future.