Do you want to know what life insurance will cost you? Do you want to get a price for how much life insurance will cost you?

Then you need to send in an application.

Period.

Here’s the reality.

Either a company has multiple underwriting classifications, or it doesn’t.

If it doesn’t have numerous possible classes, then that means it probably assumes that everyone is unhealthy.

Think about it.

If you’re not going to assess people in terms of the risk that they pose, then is it wiser to assume that they’re healthy or that they’re not healthy?

A company that only has a single underwriting classification — or that does “simplified-issue” policies — is going to assume that most applicants are unhealthy to one degree or other.

On the other hand, a company that has numerous underwriting categories is going to try to gauge your particular risk-level much more carefully.

But, there is a corollary to this.

The more underwriting classifications exist, then more possible outcomes there are to your underwriting analysis.

Here’s the upshot.

If you want to get the best rate possible, you have to be willing to go through the entire underwriting process.

If you want to rush things, you’ll lose out.

So, take the time.

Unless you know that you have a terminal illness (in which case, you’ll want to examine your options in terms of guaranteed-issue insurance), you’ll be best served by answering questions and submitting to medical examinations / paramedicals.

It’s the most direct way for the insurance company to peg your actual risk level.

For more direction, please call for a no-cost, no-obligation review of your situation.

(636)447-1169