Everybody Qualifies But You Still Want the Lowest Premium and No Wait

More Companies Means Lower Premium For You

Experienced and licensed field underwriters will ask you health questions, navigate through the carriers underwriting guidelines seamlessly and present you the carrier that will approve you for the best rate class with the lowest premium.

It generally costs less to get a higher premium in a lower risk class than a lower premium in a higher risk class.

For example, company A may charge more for a preferred risk class, but approve you for the preferred risk class. While company B may have a lower premium for the preferred risk class, but approve you for the standard risk class.

Rate ClassPremiumFull CoverageHealth
StandardMediumFirst-DayNo serious conditions
Graded IMediumPartially first-dayNo serious conditions
Graded IIMediumPartially 2nd yearFew questions
ModifiedHigh3rd YearFew questions
Guaranteed AcceptanceHigh3rd YearNo questions

The rate class will affect your premium, but may also add a wait time to the full coverage. The first-day full coverage is normally awarded only to the preferred rate class. Some companies will award first-day coverage to a standard rate class with a higher premium.

More Companies Means More Options If You Have A Health Condition

An experienced and friendly field underwriter will ask you a few health questions and present the best companies for you. We combined our companies’ underwriting guidelines to illustrate how your pre-condition will affect your rate class: (i) your life insurance premium and (ii) the wait time for full coverage.

Health ConditionRate Class
Amputation (due to disease)Graded
AnginaGuaranteed Acceptance
Atrial FibrillationPreferred
Bi-Polar Disorder / SchizophreniaPreferred
Blood Clots / Blood ThinnersPreferred
Cancer (more than 2 years)Preferred
Cancer (less than 2 years)Graded II
Cancer (active)Guaranteed Acceptance
Congestive Heart FailureGraded II
Chronic BronchitisPreferred
COPD (mild)Preferred
COPD (severe)Graded II
Defibrillator (more than 2 years)Preferred
Defibrillator (less than 2 years)Graded
DementiaGuaranteed Acceptance
Diabetes with no complicationsPreferred
Diabetic Coma (more than 2 years)Preferred
Diabetic Coma (less than 2 years)Graded II
Diabetes (insulin before 25 years old)Graded II
Diabetes (insulin after 25 years old)Preferred
DialysisGuaranteed Acceptance
Drug or Alcohol Abuse (18 Months)Preferred
DUI/Reckless Driving/FelonyPreferred
Heart Attack (more than 2 years)Preferred
Heart Attack (less than 2 years)Graded
Hepatitis (not cured)Graded
Hepatitis (cured more than 2 years)Preferred
High Blood PressurePreferred
HIV or AIDSGuaranteed Acceptance
Insulin Shock (more than 2 years)Preferred
Insulin Shock (less than 2 years)Graded
Kidney DiseaseGraded
Lupus (hospital visit 12 months)Graded II
Multiple SclerosisPreferred
Muscular Dystrophy (no meds)Preferred
Muscular Dystrophy (meds)Graded
Neuropathy, Nephropathy, RetinopathyPreferred
Nicotine products (except for cigarettes)Non-Smoking
Oxygen (24 hours)Guaranteed Acceptance
Oxygen (less than 24 hours)Graded
Pacemaker (more than 2 years)Preferred
Pacemaker (less than 2 years)Graded
Parkinson’s DiseasePreferred
Sickle Cell AnemiaPreferred
Sleep Apnea (with oxygen or not)Preferred
Stroke (more than 2 years)Preferred
Stroke (less than 2 years)Graded
TIA-Trans Ischemic AttackPreferred
Wheelchair (due to accident)Preferred