Underwriting Archives

Underwriting

12 best life insurance companies high blood pressure (hypertension) 2024, all health classes

Best Life Insurance Companies for High Blood Pressure 2024

Our guide on the best life insurance companies with high blood pressure (hypertension) 2024 was written to help educate consumers and financial advisors understand how life insurance companies underwrite hypertension. Our goal is to help everyone searching for life insurance with high blood pressure better understand how each life insurance underwrites and prices their risk…

Family history heart disease life insurance underwriting and rates top companies

Best Life Insurance Companies With A Family Health History of Heart Disease 2024

An immediate family with a health history of heart disease can affect your life insurance rates depending on several factors. These factors include: Below we’ll put the best life insurance companies with a family history of heart disease (bypass, cardiomyopathy, heart attack, stent, etc.) and their underwriting guidelines. We’ll also post sample rates from the…

Life insurance for dip, chew, snuff users, best companies and sample rates, non-tobacco 2024

5 Best Life Insurance for Smokeless Tobacco Users 2024

Key Points: If you are a smokeless tobacco user and are looking for a life insurance company that will not penalize you with a smoker rating, this article is for you. There are more than 700 life insurance companies in America and only a select few underwrite chew, dip and snuff users as non-smokers. Choosing…

Life Insurance for Daily Marijuana Users

Daily Marijuana Use and Life InsuranceMarijuana legalization has swept the country over the past decade. Recreational usage is now legal in 23 states and the District of Columbia, medical marijuana is currently legal in 38 states.Even with the prevalence of cannabis use in United States today, life insurance companies are still cautious in their underwriting of daily…

How Much Life Insurance Can I Get 2024?

Insurance companies in America limit the total amount of life insurance you can carry on your life. This is to protect you and the insurance company. In this blog post, I’ll answer the common question of “how much life insurance can I get“ in 2024 as well as show the life insurance coverage limits guidelines.…

10 Leading Causes of Death in America 2023

Top Ten Leading Causes of Death in America & Life Insurance (Ultimate Guide) 2023

The United States was hit with the COVID-19 pandemic in 2020 which had a big impact on Americans’ physical and mental health. In fact, deaths overall from all causes increased 18% from 2019 to 2020. This was the largest single-year increase year-over-year ever on record. Approximately, 3,400,00 Americans passed away in 2020.2 While COVID is…

Best life insurance height and weight charts 2024

Life Insurance Weight Limits (BMI) 2024

Are you looking for the best Life Insurance height and weight tables (BMI) 2024? Great! Then you are at the right place. Beside age, your height and weight is the next biggest determinant in deciding your life insurance rate. In fact, being over the height and weight guidelines (build chart) is the number one reason…

Best life insurance rates over 50 years old with type II diabetes

Best Life Insurance Rates Over 50 With Diabetes 2023

Are you over the age of 50 with type II diabetes and are looking for the best life insurance rates in the country? Great! Then you came to the right place. Below I will go over the best diabetic life insurance rates and companies in the country if you are over 50 years old. Best…

Best Life Insurance Companies and Rates After Quitting Smoking 2023

Have you recently quit smoking cigarettes and are now looking to to find the best life insurance rates? If so, then you’ve come to the right place. We will show you the best life insurance companies for former smokers and show you the sample rates to help you find the best policy for your needs.…

NT-proBNP and Life Insurance- How to get the best rate

If you’re reading this, you may have recently applied for life insurance and the rate increased or you were even declined due to your NT-proBNP or BNP levels. This issue does come up from time to time with clients and the good news there are options available. I’ll discuss them below and go over some…