Underwriting Guidelines

Most Insurance Companies have 4 Non-Tobacco underwriting classes as follows: Preferred Plus, Preferred, Standard Plus and Standard. Many factors determine what underwriting class you will ultimately qualify for. These factors include, but are not limited to,  height/weight, past medical history, current medical conditions, family history, medications, blood and urine results and lifestyle issues such as hazardous sports, driving record, private pilot's licence, etc. Unfortunately, the criteria varies from Company to Company. For example, an applicant's height and weight may be Preferred Plus with one Company and Preferred with other Companies. The same can be said about treated blood pressure or treated cholesterol. For these reasons, it's better call us at 888-628-6100 and discuss your individual situation to avoid any unexpected outcomes.