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General Life Insurance Underwriting Guidelines


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This table provides a sampling of General Underwriting Guidelines and Medical History issues and outlines how the term life insurance companies that 1stQuote.com works with might treat these issues. It is not intended to be all-inclusive or a guarantee of life insurance coverage. This data is offered solely to provide a guideline for those individuals considering the purchase of life insurance. Any Final Rating Class can only be determined through each individual companies underwriting process.

General Underwriting Guidelines   Medical History & Life Insurance Availability
Family History
Cholesterol / HDL Ratio
Cholesterol Level
Blood Pressure
Alcohol & Substance Abuse
Driving History
Aviation
Hazardous Avocations
Residence and/or Citizenship
Military Duty
Foreign Travel
 

Alcohol and/or Drug Abuse
Anxiety
Arthritis (rhemuatoid)
Asthma
Chronic Bronchitis
Cancer (Except Basal Cell Skin Cancer)
Cardiovascular (Heart) Disease
COPD
Chron's Disease
Depression
Diabetes - Type II
Elevated Cholesterol and/or Lipids
Emphysema
Epilepsy (Seizures within 5 years)
Gastric / Peptic Ulcers ( within 2 years)
Hypertension (High Blood Pressure)

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