12mo
You quit tobacco
The largest single move on the board — a tobacco rating can roughly double a premium. Most carriers drop it at twelve months clean. A few reserve their best classes for two or three years.
Waiting can mean a higher price for new coverage, and better health can change what you qualify for. Use our free check to see today's options, then decide whether to keep or change the policy you have.
Prefer to talk with someone? Call Paul Mooney, licensed insurance producer, at 1-888-399-7862, Monday–Friday, 9am–6pm CDT. Starting a check does not change your current coverage.
45 days remain before new coverage moves to the next age band.
Illustrative only. An existing level-term premium does not rise just because you have a birthday. New-coverage pricing depends on the insurer's age rules — some use your next age about six months before your birthday. Your figure comes from live carrier quotes, not from this slider.
Each of these has a waiting period attached — a window a carrier wants to see before it will re-price you. The clock is the part most people get wrong, so it leads.
The largest single move on the board — a tobacco rating can roughly double a premium. Most carriers drop it at twelve months clean. A few reserve their best classes for two or three years.
Build charts are stepped, not sloped, so most of a loss changes nothing and one pound changes a class. What carriers want to see is that you crossed a threshold and stayed there.
An A1c reads about three months back. Carriers that decline above 7.5 will often quote well under 6.5 — and they disagree sharply about where in between the line sits.
Controlled hypertension and resolved hypertension are priced as different things. Readings in range without medication can move a full class on its own.
Not the whole list. Sleep apnea resolved with treatment, cholesterol brought into range, a cancer history that has aged past a carrier’s look-back, a DUI falling off your record — all of them re-price.
A term policy fixes its price in the contract on the day it is issued. There is no clause in it for later good news, no annual re-read of your chart, and nobody on staff whose job is to notice that you got healthier.
Not an amendment to the one you have. It means fresh underwriting, at a carrier whose guidelines happen to reward the thing that changed about you. Which carrier that is depends entirely on what changed.
That is the whole product. You tell us what changed, we price it across the carriers we quote against, and you find out whether the number moved.
We will never tell you to cancel or lapse coverage you already have. Nothing about your existing policy changes unless a new one is issued and in force — and if the new price isn’t better, the honest answer is that you keep what you’ve got.
VitalMatch™ is the health analysis behind your free life insurance check. It helps identify coverage options you may qualify for based on your health information. Quotes are estimates, subject to underwriting.
A birthday isn't the only thing that moves a premium. Quit smoking, drop thirty pounds, get your A1c under control — the policy you already have keeps billing the person you used to be. We re-read your health record and find the carrier that prices the person you are now.
Start my free checkWith 0 milestones counted, this profile prices at Standard Tobacco, $560 per month.
Illustrative. Class names and the order they sit in are standard across the industry; the thresholds that move you between them are not — every carrier draws its own lines. Your figure comes from live carrier quotes, not from this ladder.
Every review starts the same way and ends one of three ways. The honest answer is often that the policy you already have still makes sense.
You stopped using tobacco, or your weight or A1c moved. The review reads your record against current carrier guidelines and shows how that change is priced today — whether it helps depends on the carrier.
Age is one input in the price of new coverage, and insurers use different age rules. The review shows what the timing means for the options available to you, before you decide anything.
This is a common and legitimate result. If the numbers do not beat the policy you already hold, we tell you that, nothing changes, and you keep the coverage you have.
These scenarios describe how the review works. They are not testimonials, not real clients, and not a promise of any outcome.
The intake takes about three minutes. See today's options for new coverage, then compare them with what you already have. No exam to start, no cost, and no change to the coverage you already hold.
Start my free checkThe check is free. If a policy is issued, the carrier pays us a commission — you never pay us a fee. And we will not tell you to cancel or lapse coverage before a replacement is issued and in force.
Questions? Call Paul Mooney, licensed insurance producer, at 1-888-399-7862.
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