Once the insurance company has reviewed everything, they’ll make you an offer of insurance.
They could say you’re a “standard risk” (which means average in their eyes) or they might give you a “risk rating.” That means there’s something about your health or lifestyle they’re concerned about (might be the pickleball), and they want you to pay them more to insure that additional risk.
If their offer lines up with what we estimated, our original recommendation should be accurate. If not, we’ll re-work the numbers, or explore offers with a different insurance company. They don’t all assess things the same way.
Learn more about each step of the process by watching the full series here:
