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MEET THE EXPERT
Matt Mims
Owner & Principal Broker, LifeStein.com
Matt Mims is a nationally licensed life insurance broker and the founder of LifeStein.com. With direct access to 50+ life insurance companies across the U.S., Matt specializes in underwriting strategy, market pricing, and placing complex or difficult cases — including coverage for nicotine users who are routinely misclassified and overcharged by the industry.
He provides real-time life insurance pricing data across the full carrier market and is regularly consulted for his ability to translate complex underwriting into clear, consumer-friendly terms.
50+
Carrier Relationships
$100M+
Coverage Placed
<4hr
Response Time
AS SEEN IN
Featured in National Media
LifeStein.com insights, pricing data, and life insurance expertise have been referenced by major financial and national media outlets covering insurance trends, consumer pricing, and underwriting.
Media Topics
What Media Can Contact Us About
Matt Mims is available for quotes, data requests, expert commentary, and on-the-record interviews on all aspects of life insurance.
Life insurance pricing trends — 2026 market rates across major carriers
Life insurance for nicotine users — Zyn, dip, cigars, vaping, and non-smoker classifications
High-value policies — $1M to $20M+ coverage structures and pricing
Denied or difficult-to-place cases — what consumers can do when coverage is declined
Term vs. whole life — unbiased breakdowns for consumer and media audiences
Real-world pricing data — side-by-side compare life insurance rates across 50+ companies
Life insurance underwriting myths — what the industry gets wrong and what consumers miss
Data & Research
Real Carrier Data, Ready to Cite
LifeStein publishes life insurance pricing charts built from real carrier rate sheets — not estimates. Our data covers the full market, updated regularly.
Policy Pricing by Age
$1M, $5M, and $10M policy pricing for ages 30–65, across major U.S. carriers.
Nicotine vs. Non-Nicotine Rates
Side-by-side life insurance quotes for tobacco users, pouch users, vapers, and non-tobacco consumers.
Health Class Pricing Gaps
How Preferred Plus vs. Standard rates differ across carriers — and what that means for consumers in dollars.
Media use welcome: Media outlets are encouraged to cite LifeStein.com charts and data with attribution. Contact us for chart files, raw data, or embeddable graphics.
Why Work With Us
Why Journalists Use LifeStein
Broad Market Access
Direct access to real pricing from 50+ life insurance companies — not one carrier's talking points.
Fast Response Time
Same-day or within-hours responses. Deadlines don't wait, and neither do we.
No-Fluff Explanations
Straight talk on how life insurance underwriting and pricing actually work — no PR spin, no hedging.
Deep Underwriting Knowledge
Most brokers won't tell you which carrier is best for a specific health condition. We will — on the record.
Reader-Ready Simplicity
Complex insurance topics made clear for general audiences. Quotable, accurate, and easy to publish.
Why Work With Us
Expert Commentary, On the Record
Life insurance pricing can vary by over 200% depending on underwriting — most consumers never know this because they only apply with one company.
— Matt Mims, LifeStein.com
— Matt Mims, LifeStein.com
— Matt Mims, LifeStein.com
Most people overpay for life insurance because they apply with the wrong company. The right carrier for your health profile can save thousands over the life of a policy.
Nicotine users are often eligible for better rates than they're being offered. Carriers treat Zyn, dip, and vaping very differently — and most agents don't know the difference.
Get in Touch
Media & Press Contact
Reach Matt directly for quotes, data requests, expert commentary, or interview bookings. We respond fast — most media requests receive a reply within a few hours.
Contact
Matt Mims
Phone / Text
Website