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Life Insurance, Simplified

Underwriting and Carrier Quick References

Do you need a carrier's contact information or their most recent financial ratings?

Here is that information for the top 100 life insurers.


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Carriers have different guidelines for height and weight to qualify for best classes, and here are the charts.

Compare carrier build charts.


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Need a chart with carriers' maximum ages? Which carriers use last birthday, and which use nearest birthday?

Maximum ages calculated by nearest or last birthday.


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Life Insurance, Demystified

Clarity for Confident Decisions

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Carriers have different rules for those traveling or living abroad and also for residents of other countries.

Explore the top 100 carriers.

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Special Risk Hobbies and Avocations

This guide details how carriers underwrite aviation, rock climbing, race car driving and many other hobbies and avocations considered high risk.

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Tobacco, Nicotine, and Cannabis Rules

Carriers have different approaches to underwriting all forms of nicotine and cannabis use. Find out which carriers offer the best outcomes based on product used.

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Conversion age limits
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Carriers offer unique age limits to convert different term products. Don't assume the conversion period is the same as the level premium or renewal period, since it is quite often not the case.

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