Some of the most confusing things for me to understand are politics and life insurance. Let’s discuss the later for now and that is life insurance. I have no clue what the different types of life insurance are so I decided to do some reading to try and figure it out.

To the best of my ability, I see life insurance rates as very up and down depending on where you go. I do notice that there are some good life insurance rates online so that might be a good place to start. I read that guaranteed life insurance is for people with medical conditions that go get life insurance despite their health.

Sometimes this guaranteed life insurance is referred to as no medical exam life insurance for obvious reasons. It is for people that will not get accepted otherwise but the premiums will be higher as well. Then there is fully underwritten life insurance for those in good health. They have to undergo a full blown physical exam and blood work before they are accepted.

Once they do get acceptance they will usually have some really good life insurance rates since they are in such good health. This is typically better for younger people. I have a lot more to read up on but for now I think that might help someone to understand life insurance better.