850 University
How insurers decide your price, when you need a medical exam by age and amount, what happens on exam day, your MIB, prescription and driving records, health conditions and second chances, and honesty during the contestable period.
Learn how life insurers turn your health, nicotine use, family history, driving record and hobbies into a risk class and a price, including table ratings and flat extras.
Learn when life insurers typically ask for a medical exam, lab work, doctor's records and other checks, based on your age and coverage amount, and the ways some coverage skips new medical checks.
Learn what happens at a life insurance paramedical exam, what the lab checks, how to prepare for accurate results, why doctor's records can slow things down, and how long results stay valid.
Is Life Insurance: Underwriting and Medical Exams free on 850 University?
Yes — 6 of 6 lessons in this course are free with an 850ai account. Watch on YouTube anytime; create a free account to take quizzes and track progress.
How many lessons are in Life Insurance: Underwriting and Medical Exams?
This course includes 6 short video lessons, each followed by a quiz when you learn inside the 850ai app.
Can I dispute errors on my credit report after this course?
850 University teaches the concepts; 850ai can analyze your credit report and generate dispute letters when you are ready. Start free at my850.ai/landing.
Learn the strategy here, then let 850ai analyze your credit report and generate dispute letters tailored to your accounts.
Learn which reports life insurers check, what the MIB file is and isn't, how to get your MIB and prescription reports, your rights when an insurer takes adverse action, and how to dispute errors.
Learn, in general terms, how life insurers look at common health conditions, the difference between a postponement and a decline, how to reapply with a plan, and what fallback options exist.
Learn why every answer on a life insurance application matters, how the two-year contestable period and rescission work, why coaching is a serious problem, and what changes after two years.