UIAG eClick is a National Insurance Marketing Organization (IMO) & Company. Licensed with each state's Department of Insurance to do business in accordance of the laws governing each state. Each agent is required to be licensed by law to give you a quote for insurance purposes. Your information is protected in accordance with HIPPA Regulations. We do not share your information with anyone except the carrier we place you with and that you agree to be placed with. Your quote is based on several factors to include: Age, medical history, prescriptions, and health. Some carriers give discounts for clients having a checking or savings account- ask your agent if this applies to your quote.