If quotes come from the same insurer and the underwriter has said to use the lower quotes 'only if you must', which quote should you present?

• A. The lowest price quote
• B. The quote closest to current market conditions
• C. The highest price quote
• D. No quotes should be presented

Answer: (B)

The key idea is to present a representative quote that reflects what the market is actually pricing right now, not the extremes. Since the underwriter says to use the lower quotes only if you must, you should avoid pulling the cheapest option and instead present the quote that sits closest to current market conditions. This gives a fair, realistic picture of pricing and protects the client from believing an artificially low quote is typical. The lowest price might rely on unusual terms or discounts that aren’t sustainable, while the highest price overstates costs. Not presenting a quote at all isn’t appropriate when you’ve been asked to present quotes. So the best choice is the quote closest to current market conditions.