Life insurance companies use a process called underwriting to evaluate your risk factors, decide whether to approve your application and determine your premium. Traditional underwriting, which usually ...

What Is No-Exam Life Insurance? No-exam life insurance is exactly what it sounds like: Life insurance that does not require a ...

Matt Richardson is the senior managing editor for the Managing Your Money section for CBSNews.com. He writes and edits content about personal finance ranging from savings to investing to insurance.

Understanding how and why insurer make decisions could improve your chances of getting the policy and price you want Written By Written by Insurance Writer, Buy Side John was formerly staff writer at ...