07/29/2025
Not All Underwriting Is the Same
Have you received a life insurance policy in the past year that was rated at 150% or 200%?
In the last year, I helped two clients lower their premiums by switching to alternative insurers. While their original provider had strong products and competitive rates, the underwriting was too strict—resulting in high ratings or even declines.
Here’s the key takeaway:
Just because a company offers a great product doesn’t mean you’ll receive the best outcome. Underwriting guidelines vary significantly between insurers.
✅ Always get a second opinion.
✅ Work with an advisor who has access to multiple markets.
✅ The right advice can lead to substantial long-term savings.
📩 Message me if you'd like a complimentary review of your rated policy or need a second look at your existing coverage.
