FICO score's are common knowledge, yet few pay attention to their insurance score despite the fact that it impacts your premiums throughout your entire life. There's been much debate to the fairness of the practice and the validity of how scores are formulated. Much like the Medical Information Bureau the score is a tool utilized in the underwriting process that you cannot directly control, but have the ability to influence and protect through living a responsible lifestyle. If you'd like to learn about how you can keep these clean for a painless underwriting process give me a ring. This is a comprehensive consumer facing piece on the composition of insurance scores. If you'd just like the basics I'd recommend a quick skim. For those with an appetite for specifics it's about a 3-4 minute read. Click here for article.