Life Insurance Medical Exams

When applying for life insurance, people are often concerned about the health exams or blood tests that might be required. Medical exams are common when it comes to life insurance. Once you understand how the exam will be conducted, you can become comfortable with the life insurance medical exam. In this article: How Do Life […]

Life Insurance Application Questions

When applying for life insurance, it is important for the insurer to learn as much as possible prior to taking on a client. This is because the insurer is essentially taking a big risk with each applicant that they approve, in terms of the amount they could potentially have to pay out. To learn more […]

Lying on Your Life Insurance Policy

Everything you know about telling a lie is true. It isn’t a good idea. No news flash, of course — lying about anything can get you in trouble. But if you think about it, telling the truth often isn’t any great shakes either. That’s why so many people who could tell the truth, don’t. You […]

Understanding the Life Insurance Underwriting Process

When you’re applying for any kind of life insurance, you must go through the underwriting process. We’ve been in the insurance industry for years, and we are still getting questions about underwriting. The most common question is, “What in the world is underwriting?!” So let’s take a closer look at the life insurance underwriting process. […]

Life Insurance Table Ratings: Classes, Costs & What to Expect

Life insurance companies assign health ratings to determine your premiums. Most applicants receive preferred, preferred plus, standard plus, or standard ratings based on their health and lifestyle. If you have significant health conditions, you may receive a table rating (A through H) that adds 25% to 200% to your standard premium. Your rating directly affects […]