A. Many people believe they could get the best underwriting class when they apply for life insurance, but after underwriting reviews, chances are some people would be approved at a class worse than their initial assumptions.
As a general rule of thumb, every underwriting rate class that is worse than Preferred Plus will increase the annual premium cost by roughly 25%.
As an independent insurance agent, we at PFwise.com will help you shop around to get the best premium you deserve.