Insurers are ranked by fit to your inputs (excess, pre-existing conditions, plan tier, how you want to buy), not by price. Product facts are from each insurer's current pages (checked October 2026); confirm in the policy document. Standard underwriting with pre-existing conditions excluded rather than priced. Premiums rise with age at every renewal; a higher excess is the simplest way to lower them. General estimate only, not a quote or financial advice.