Category Archives: health impairments

What are Risk Assessments? – Part 1

Today’s underwriting landscape is radically different from decades past. Once upon a time, an insured could receive substandard ratings for conditions now considered mild, such as high blood pressure or high cholesterol. Thankfully, those days are well in the past, and these conditions are now faint blips on an underwriter’s radar. Medicine has made massive […]

What are Life Insurance Underwriters Looking for?

Life insurance underwriters at carriers look at a long list of factors. Those factors include personal health history, family health history, driving record, prescription, medical records, and MIB (Medical Information Bureau). MIB tracks application history at other carriers. Making healthy lifestyle changes produces a significant difference in an individual’s policy rate classification for life insurance. […]