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.
Carriers don't price age on a curve — they price it in bands, and the whole premium steps the day you cross into a new one. VitalMatch™, Rocket Life's optimization check, reads your health and your timing together and tells you, before that step happens, whether locking in now is worth more than waiting.
45 days remain before your rate steps up.
Illustrative. Band size and step timing vary by carrier — some price age nearest birthday, others use multi-year brackets. 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 are appointed with, 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.
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.
Check my VitalMatch™ rateWith 0 milestones counted, this profile prices at Standard Tobacco, $214 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.
Find out in about three minutes which one applies to you. No exam to start, no cost, and no change to the coverage you already have.
Check my VitalMatch™ rateapp.rocketlifeinsurance.com