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@dbg24 I thought the real exam was slightly easier.

@aladinair I concur

@lightofthegoding What company?

@aladinair Positive for marijuana will get you tobacco rates at the company I work for

@bmillerware Yeah, just play around with the years and the numbers until it makes the most sense.

@bmillerware You could do the ladder for your wife as well.

@evanburnside12 This is reddit, though. You can run into a power hungry mod just about anywhere. I doubt it's related to any company, just some financial guys who dislike permanent.

@beauty86 Maybe check with the legal advice sub

@carnelia Does the 800k only pay out if it's an accidental death?

@kittyb I'd consider a bigger death benefit. You could consider doing two policies: one term with a larger death benefit and one permanent. That's what I did for myself, actually.

@kittyb Your age and health you should be able to get a larger term death benefit for a premium under a hundred lower month. I might think about a larger death benefit if you have younger kids. (Also depends on if father is in the picture and his financial status).

@kittyb Need a little more information. How old are you? What's your sex? Married? Kids? Annual salary? Any debt? Mortgage? How's your health?

@lordagary Yeah, a rating can mean a higher commission for the agent. Do some agents not fight for their clients because of this? Possibly. I believe most try to do right by their clients. I know I do.

@manxy I know depression can have a surprising effect on premium. An underwriter on here might be able to help with the other things.

@manxy What medical stuff came up? Do you or wife take any medications?

@deltoots Why not both?

@flatassembler Good company, but I wonder if the premium will end up being higher. Sometimes underwriting is unpredictable.

@marked At that weight he might get declined though

@flatassembler That's a solid premium considering his health and tobacco. What's the company? Also, has he already completed underwriting?

@writingforlife101 Personally, I wouldn't cancel those. Are you maxing out your 401k?