A lot of people hear “no exam” and immediately picture life insurance rolling out a red carpet. No needles, no nurse, no questions, just approval by vibes. Lisa and Eric are here to lovingly pop that bubble.

In this episode, they break down why no exam does not mean no underwriting, why the insurance company still knows about that refill you picked up Tuesday, and why the convenience route can actually cost more. They tackle the biggest myths, explain what really happens behind the scenes, and reveal the surprising reason doing the exam can sometimes save you real money.

Whether you’re team “please don’t send a nurse to my house” or team “just tell me the cheapest option,” this episode finally makes the whole thing make sense, and makes you laugh while it does.

Join us each week as we break down life insurance without the headaches, the lectures, or the awkward sales talk.

We’ve spent decades helping families find affordable coverage, even when life’s not picture-perfect. On meds? Carrying a few extra pounds? Managing a health condition or two? You’re not alone, and you’ve still got options.

Got a question and don’t feel like waiting for the next episode? Call Big Lou at 1-800-314-2977 or visit BigLouLife.com.

Straight talk. Real answers. Big Lou’s got you covered.

For educational purposes only. Coverage and eligibility vary.

The ratings ladder sounds dramatic, like something you would climb in a competition show with strobe lights and a cheering crowd. In reality, it is simply how life insurance companies decide where you stand health-wise, usually while holding a clipboard and silently judging your cholesterol. In this episode, Lisa and Eric crack open the whole system and explain why most people over fifty are not living on the Preferred Plus penthouse level, and why that is completely normal.

They walk through how the ladder works, why your knee noises do not automatically drop you into the basement, and how two companies can look at the exact same person and react like totally different people on a dating app. You will hear the biggest myths, like thinking medication disqualifies you or believing that waiting will magically lower your rate. You will also get simple steps to land on the rung you actually deserve without turning your life into a health makeover show.

If you have ever wondered why your age, your prescriptions, or your doctor saying your numbers are a little high affects your rate, this episode turns the whole topic into something funny, understandable, and surprisingly calm. And yes, you will learn how to get judged more fairly without giving up snacks.

Join us each week as we break down life insurance without the headaches, the lectures, or the awkward sales talk.

We’ve spent decades helping families find affordable coverage, even when life’s not picture-perfect. On meds? Carrying a few extra pounds? Managing a health condition or two? You’re not alone, and you’ve still got options.

Got a question and don’t feel like waiting for the next episode? Call Big Lou at 1-800-314-2977 or visit BigLouLife.com.

Straight talk. Real answers. Big Lou’s got you covered.

For educational purposes only. Coverage and eligibility vary.

A lot of people think being 50, on meds, or carrying a few extra pounds disqualifies them from real coverage. In this episode, Lisa and Eric break down the truth: most of the “penalty” people pay isn’t about their health at all. It’s about waiting too long.

They unpack why your age and prescriptions aren’t the deal breakers you think they are, how different carriers look at real-life health profiles, and why getting a quote sooner can save you from paying double later. You’ll also hear a relatable case study of a 52-year-old dad who qualified for a million-dollar policy for around $200 a month.

If you’ve been putting this off, this is the episode that clears the fog and helps you finally see what’s possible.

Join us each week as we break down life insurance without the headaches, the lectures, or the awkward sales talk.

We’ve spent decades helping families find affordable coverage, even when life’s not picture-perfect. On meds? Carrying a few extra pounds? Managing a health condition or two? You’re not alone, and you’ve still got options.

Got a question and don’t feel like waiting for the next episode? Call Big Lou at 1-800-314-2977 or visit BigLouLife.com.

Straight talk. Real answers. Big Lou’s got you covered.

For educational purposes only. Coverage and eligibility vary.