Quote With Exam

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The quote tool on your right is perfectly accurate if you know what your health rating is....and that can get tricky. The best practice is to check rates at two or three classes and then speak with an experienced agent who is familiar with individual company guidelines.

Bear in mind that only about 10 percent of applicant wind up in the highest class available.

HOW IS HEALTH UNDERWRITING DONE WITH EXAMS?

If you are sure about the terms you are interested in, just enter your info and click "Display Quotes".

The primary concerns are the same as with the instant decision underwriting. The difference being that the information is verified with blood and urine tests.

The advantage of this option is more carriers and potential savings. The downside is the risk that something will turn up on the exam that negatively affects pricing and a 4-8 week period for the process to be complete.  

The carriers concern (are you a good risk) still relies on the following questions:

  • Gender
  • Your Height and Weight 
  • Tobacco Use
  • Medications
  • Health Conditions
  • Family History
  • Driving Record / Criminal History /Financial History (BK)
  • Dangerous occupation /leisure activities

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