Underwriting
Browse our articles about underwriting
The Contestability Period and What Can Void a Policy
For a limited period after issue, a life insurer can contest a claim over the application. Here is how incontestability works, and what the suicide clause does.
Read MoreThe Health Questions on a Final Expense Application
A short application still decides which benefit tier you get. Here is what the questions are looking for, what gets verified, and why accuracy matters at claim time.
Read MoreLife Insurance Underwriting and the Medical Exam
Underwriting is how an insurer classifies your risk. Here is what the application, the paramedical exam and the outside databases actually look at.
Read MoreNo-Exam, Simplified Issue and Guaranteed Issue Life Insurance
Skipping the medical exam is possible in three different ways, and they are not equivalent. Here is what each one trades away in return for speed.
Read MoreSimplified Issue, Guaranteed Issue and the Graded Death Benefit
A no-questions-asked policy usually comes with a limited death benefit for the first years. Here is exactly what that means and how to tell which type you are buying.
Read MoreThis content is for general informational purposes only and is not insurance, legal, or financial advice. Coverage, exclusions, eligibility, and pricing vary by insurer, by policy, and by state, and only the policy documents control what is covered. Always confirm the details of any coverage with a licensed insurance agent or the issuing carrier before you buy.