Rate Classes Explained: Preferred, Standard, and Table Ratings in Plain English
A guide to Preferred, Standard, and Table ratings—what moves your class, how carriers differ, and ways to lower your premium.
Best Questions to Ask Before Choosing Life Insurance Coverage
Ask smart questions to pick the right type, term, amount, riders, and price. Licensed agent’s checklist for coverage that fits your life.
No-Exam vs. Medical Exam Life Insurance: What Actually Changes Your Rate
No-exam or exam? I explain what truly moves your rate and how to pick the faster or cheaper path for your profile.
Questions to Ask a Life Insurance Agent Before You Buy
Must-ask questions for your agent—fit, price, riders, term length, conversion, and claims—so you buy the right policy at a fair monthly cost.
