Pricing & Underwriting

Getting declined for life insurance is more common than most people realize — and more recoverable than most people assume. A decline from one insurer is not a lifetime ban on coverage. It’s one company’s assessment, based on their specific underwriting guidelines, of your risk profile at a specific point in time. Understanding why applications […]

You applied for life insurance, went through the medical exam, waited a few weeks — and now the insurer has come back with an offer. But instead of the rate you expected, they’re quoting you at “Table 2” or “Table D.” What does that mean, exactly? And is it a problem? Table ratings are one