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WHAT ARE LIFE INSURANCE UNDERWRITING CLASSES, AND WHY DO THEY MATTER?
Before we begin today, a quick refresher. Life insurance provides financial protection for your loved ones in the event of your death. A life insurance policy usually pays a guaranteed amount of money (a death benefit) that can assist your family at a time they would need it most. You probably knew all that already, but we wanted to recap before addressing the question that this article is going to answer. Basically, when you apply for life insurance, you’re put into what’s called an underwriting class. Those classes are determined, in part, by your health, your occupation, your hobbies and your family’s history of illness. That said, they can seem a bit mysterious from the outside, so we wanted to shine a little light on what they are, how they work, and how they can affect you (and vice versa).Phew. We’re glad that’s out of the way. Now, let’s commence with the light-shining, shall we? LOUIS WILSON READ MORE