Jerry pulls back the curtain on those nonstop ads for “mortgage protection” and “no-exam” life insurance. He walks through a real-world experiment comparing quotes from Ethos (no medical exam), USAA, and a broker (Big Lou/Pacific Life), showing how underwriting, company ratings, and policy type (term vs. permanent) can swing your cost—and your family’s outcome—by hundreds of dollars a month. You’ll learn why “guaranteed issue” TV policies often cost more for far less coverage, what waiting-period fine print really means, and how to evaluate insurers beyond the commercial (payout history, service, solvency). Bottom line: shop around, work with a competent pro, and buy early so your coverage fits your life—not an ad script.
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