LIFE INSURANCE UNDERWRITING GUIDE

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Underwriting category...
...depends on many factors. Our study shows the cost of poor underwriting factors, and the cost of choosing the wrong company.

To estimate your category...
...here are some guidelines:

  • Preferred Plus - Excellent total cholesterol, cholesterol ratio, and blood pressure; athletic build; no family history of cancer or heart disease before age 60; one moving violation in the past three years.
  • Preferred - Good total cholesterol, ratio, and blood pressure; good build; no family death of cancer or heart disease before age 60; one moving violation in the past three years.
  • Standard Plus - Fair total cholesterol, ratio, or blood pressure; somewhat overweight; no parent death of cancer or heart disease before age 60; two moving violations in the past three years.
  • Standard - Poor total cholesterol, ratio, or blood pressure; overweight; one parent death of cancer or heart disease before age 60; two moving violations in the past three years.

Coverage
Term
Birth Date
Sex Male   Female
Tobacco in 3 yrs? Yes     No
Underwriting
Residence
Get the complete study. Get help with your underwriting factors.


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