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.