RH

My wife and I applied for 30 years term 750k policy. My wife was temporarily approved and needed to schedule a medical and verify her identity. I was not temporarily approved but also needed to verify my identity and schedule a medical. I did my medical and my labs came back but my cholesterol was high and it's the only thing not in green. My wife never did the medical. Today, my wife and I received our official offer. My wife's $51.69 that included the premium waiver. Mine was $174.89 that also included the premium waiver. My wife is 2 years younger than me , I'm 37 and we both had to upload photo id to verify our identity. My wife is white and I'm of color. What could possibly explain my premium which is 3x that of my wife's. Mind you apparently a full medical underwriting policy supposed to be cheaper than one without medical. I cancelled my application due to outright racism in their underwriting.