What Life Insurance Underwriters Actually Do to Pick Your Rates
Underwriters are the ones who make the final decision to approve your application for life insurance and assign your rate. Your rate is based on their evaluation of the likelihood you will pass away during the term of your policy. To determine your rate, the…
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Preferred Plus? Standard? Making Sense of Life Insurance Rate Categories
Life insurance agents can use a lot of complex terms to explain how your policy works, but it doesn’t have to be complicated to understand. One of the most important concepts in life insurance is your risk category, also called a rating class. Your risk…
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