Install
Underwriting and Exams guides
Accelerated underwriting: approval without an examAccelerated underwriting lets qualified applicants skip the medical exam using database checks and health answers. Who qualifies, trade-offs and limits.Age nearest vs last birthday: why your insurance age rounds upMany insurers price on the age nearest your birthday, so you can count as a year older up to six months before turning that age. How it works and how to use it.AI and data in life insurance underwritingHow insurers use algorithms and outside data in underwriting, and the rules: Colorado SB21-169 and Regulation 10-1-1, the NAIC AI bulletin, New York.Backdating a life insurance policy to save ageBackdating sets your policy date up to six months back so the premium uses a younger age. How the lump-sum catch-up works, state limits, and when it pays off.The two-year contestability periodIn the first two years, a life insurer can review the application and contest a claim over material errors. What it covers, what restarts it, how to prepare.Do life insurers check your credit?Some life insurers use credit-based mortality scores in underwriting under the Fair Credit Reporting Act. What they are, what they are not, and your rights.Declined for life insurance? What to do nextWhy insurers decline life insurance applications, how to get the reasons and your MIB file, and what coverage remains: other carriers, rated, simplified, group.How your driving record affects life insuranceLife insurers pull your motor vehicle record. A few speeding tickets rarely matter, but a DUI, reckless driving or a suspension can change your rate class.How family medical history affects life insuranceWhich relatives and conditions life insurers ask about, how family history changes rates, and why it rarely matters as much as your own health.Genetic testing and life insurance: what insurers can askGINA does not cover life insurance, so state law decides. What insurers can ask, how Florida's 2020 law differs, and what to do before you test.GLP-1 drugs like Ozempic and life insurance underwritingHow insurers weigh GLP-1 drugs such as Ozempic and Wegovy, what reinsurers have published about weight regain and mortality, and how to prepare an application.Foreign travel and life insurance applicationsHow insurers treat past and planned foreign travel, State Department advisory levels, long stays and work abroad, and what travel means for existing coverage.Life insurance after a DUI or alcohol treatmentHow a DUI conviction or alcohol treatment affects life insurance approval and rates, what insurers look at, and how to improve your odds.The questions on a life insurance applicationWhat a life insurance application asks about health, family history, tobacco, finances and risky activities, and how to answer so a claim is not at risk later.Life insurance with asthma or COPDAsthma is often insurable at good rates when controlled, while COPD is underwritten on lung function and smoking. What insurers look at and how to apply.Life insurance with lupus, MS or rheumatoid arthritisHow insurers underwrite lupus, multiple sclerosis and rheumatoid arthritis: severity, organ involvement, medications and disability, plus how to prepare.What a life insurance blood and urine test looks forWhat insurers test for in the blood and urine samples taken at a life insurance exam: cholesterol, glucose, liver and kidney markers, nicotine and drugs.Life insurance for cancer survivorsMany cancer survivors can get life insurance. How cancer type, stage, treatment and years in remission shape underwriting, plus what to do if you are declined.Life insurance with a criminal recordCan you get life insurance with a felony or misdemeanor? Insurers weigh the offense, its timing and your current status. What to disclose and your options.Scuba, skydiving, climbing and life insuranceHow insurers handle risky hobbies like scuba, skydiving, climbing, racing and BASE jumping, what the questionnaire asks, and how surcharges and exclusions work.Life insurance with depression or anxietyDepression and anxiety are common and often insurable at standard or near-standard rates. What underwriters ask about severity, treatment and stability.Life insurance with type 1 or type 2 diabetesDiabetes is insurable, but price depends on type, A1C control, age at diagnosis, complications and medications. How underwriters assess it and how to prepare.Life insurance with epilepsyHow insurers underwrite epilepsy: seizure type and frequency, time seizure-free, cause, medication and safety, with steps to prepare an application.Life insurance for pilotsHow insurers underwrite airline, corporate, military and private pilots, what the aviation questionnaire asks, and how exclusions and flat extras work.Life insurance for smokersHow insurers classify tobacco users, what counts as smoking, how nicotine testing works, and ways to lower the cost, including quitting and reclassification.Life insurance after a heart attack or with heart diseaseCoverage after a heart attack or with heart disease is possible. How time since the event, ejection fraction, stents or bypass and risk factors shape the offer.Life insurance with hepatitis CHepatitis C that has been cured, or never damaged the liver, is often insurable. How insurers weigh treatment, liver health and history, and how to apply.Life insurance with high blood pressureControlled high blood pressure is common and often insurable at competitive rates. What underwriters weigh: readings, medications, duration and other risks.Life insurance with high cholesterolHigh cholesterol rarely blocks coverage. How underwriters read cholesterol numbers, statins and family history, and when it affects your rate class.Life insurance for high-risk jobsHow insurers treat dangerous occupations such as logging, roofing, fishing and mining, what they ask, and how to get coverage without surprises.Life insurance with HIVPeople with HIV may qualify for individual life insurance when treated and suppressed, but many insurers decline. What underwriters weigh and the alternatives.Life insurance in recovery from substance useHow insurers treat alcohol or drug recovery, what they ask for, why time in recovery matters, and what to do if you are postponed or declined.Life insurance with kidney diseaseHow insurers underwrite chronic kidney disease, from early stages to dialysis and transplant: stage, cause, urine protein, and what to bring to an application.The life insurance medical exam: what to expectWhat happens at a life insurance paramedical exam, how long it takes, how to prepare, what the results are used for and when an exam can be skipped.Life insurance rate classes: preferred plus to substandardRate classes group applicants by risk and set your premium. Typical class names, what separates them, how tobacco changes things and how to move up a class.Asking for a better rate class laterIf your health or habits improved after you bought life insurance, you can ask for a lower rate class. When insurers agree and what proof helps.Life insurance with sleep apneaHow insurers underwrite sleep apnea: severity, CPAP use, weight, blood pressure and heart health, and how to document treatment to get the best offer.How life insurance underwriting worksUnderwriting is how an insurer decides whether to cover you and at what price. The steps, the records checked, how long it takes and the possible outcomes.Life insurance, weight and build chartsHow insurers use height and weight charts and BMI to set rate classes, why charts differ by company, and what to do if your build is near a cutoff.What happens if you lie on a life insurance applicationHow material misrepresentation lets an insurer rescind a policy or deny a claim, how the two-year window works, and how to fix an honest mistake.Marijuana use and life insuranceHow life insurers treat marijuana use in underwriting, why practice varies, how testing works and why disclosing use beats risking a later claim dispute.The MIB report: what insurers know about your historyWhat MIB is, what its coded file contains, how to get your free copy once a year under the FCRA, and how to dispute errors before applying for life insurance.Postponed application: why insurers make you waitA postponed life insurance application means the insurer will reconsider later, not that you are declined. Common causes, wait times and what to do meanwhile.How insurers check your prescription historyLife insurers pull pharmacy-fill records to see what drugs you take. What the report shows, how it is used, and how to get a free copy and dispute errors.How quitting smoking lowers life insurance ratesInsurers price tobacco use at a steep premium. How long you generally need to be nicotine-free, how they check, and how to reprice a policy you own.Table ratings and flat extras explainedHow insurers surcharge higher-risk applicants: table ratings that raise the premium in steps, flat extras that add a fixed charge per $1,000, and duration.Vaping, nicotine pouches and life insurance ratesMost life insurers treat vaping and nicotine pouches like other nicotine in rate classes. How testing works, what varies by insurer, and how to reclassify.