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What Does a Rated Life Insurance Policy Mean?

By Byron Udell | December 20, 2006

What’s a Rated Life Insurance Policy? Read on and find out.

A rated life insurance policy is a policy that is also often referred to as a substandard policy. A person with less than average health or who has a high-risk occupation may receive a rated or substandard policy. This would result in a higher premium rate if you choose to accept the coverage. Often times, the rating may be an additional percent of the total premium or a flat extra amount of premium per $1,000 of death benefit.

For over 30 years, AccuQuote has been helping customers save a ton of money on their life insurance. We offer many different types of coverage options, including Term Life, Permanent Life, Disability Insurance and so much more. AccuQuote has been mentioned in such media outlets as Kiplinger’s, The Wall Street Journal, Crain’s, The New York Times, Consumer Reports, Forbes and more.

There are no insurance companies “pulling our strings.” Our fierce independence means you’ll get the best values when we shop the market on your behalf. We only represent the top-rated, brand-name life insurance companies that you know and trust.

For more information on what a rated life insurance policy means to you, call AccuQuote at 800-442-9899.

We only work with highly rated insurance companies – brand names you trust. You may be able to save money without sacrificing quality and strength.