When insurance companies consider insuring an applicant, they evaluate that applicant's health history, lifestyle habits and current health status, among other things, to determine the risk that may be incurred.

What You Should Know

Underwriting classes are determined by a number of factors including, but not limited to: 

• health history
• height to weight ratios
• family history

Some of the health issues insurance companies will pay particular attention to include: 

• tobacco use
• alcoholism
• mental health
• history of heart disease, cancer, and diabetes

Also, the company will consider your driving history and if you participate in hazardous activities or are employed in a dangerous vocation.

If your health history or vocation make you a higher risk to the insurance company, you may still be able to secure insurance, but it is likely to come with higher premiums or exclusion riders.

What You Can Do

One of the best things you can do to improve your insurability is to quit smoking. Additionally, to facilitate the underwriting process, you should promptly schedule your medical exam (which is paid for by the insurance company) and complete all application questions thoroughly.

You may be asked to have your doctor send your medical records to the underwriters at the insurance company.

Contact us if you have questions or concerns about the underwriting process.