Life insurance is the one asset that requires good health in order to buy it. By the time you know you need it, it’s too late if you are dead or have a serious health impairment. Tell me how long you will live and I will tell you what type of insurance to buy – Who of us knows that answer! Underwriting categories have gotten more competitive. Many applicants approach this process like a personal challenge, which is great if they do qualify favorably. The problem is when they don’t make the exact desired category, they can end up taking it too personally, which can interfere with the more important issue of getting some coverage locked in at some price before you die and need it. We will discuss many factors carriers use to make the various rate cutoffs. Discuss the stages of the underwriting processes at insurance company home offices and what this vetting of risks can feel like from the customer’s point of view. In the end, we will integrate all the concepts we learn by doing a difficult underwriting mock case.