1. Larry GilmorePRO
    Agent Owner, Gilmore Insurance Services, Marysville, Washington State
    Yes, supplemental life insurance works. Where it is different is in cost, underwriting and portability. First the easiest thing to comprehend about premium pricing is the more questions the cheaper the cost. Fewer questions asked? the higher the premium.  Cost usually on supplemental life is more expensive because they ask fewer questions (underwriting) of the insured.

    IF you are of reasonable good health, it usually better cost wise and policy wise to seek an individual policy where your good health is rewarded by a lower cost to you.
    Answered on May 2, 2013
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