Underwriting & Eligibility 101

Most people sign an insurance application without fully understanding what underwriting evaluates — or what happens at claim time if something was left out.

This session demystifies the process: the six major factors AIL looks at (age and face amount, build, tobacco status, health history, medications, and driving record), how tobacco user vs. non-tobacco user rates differ in real dollars, what trials and declines actually mean, and which plans have oral specimen requirements.

Most importantly, we cover the contestability period and why complete honesty on the application is the single most important thing you can do to make sure your family's claim actually gets paid.

This session is for anyone who is about to apply — or who has ever wondered whether their current policy will hold up when it matters most.