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Medical Underwriting

Medical underwriting is a common practice across health and life insurance companies to evaluate an individual’s medical history (and other factors) to determine if they would be eligible for the policy, and how much they should be charged for the policy.

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What is Evaluated?

While under the medical underwriting process, your medical history, lifestyle, demographic profile, and other factors that could relate to your medical needs will be evaluated. Through this analysis, the amount of risk the insurance company would be taking to provide you coverage will be determined and priced.

Can I Avoid Medical Underwriting?

There are life insurance policies that don’t require medical underwriting. These policies are known as guaranteeed issue life policies. However, these policies are typically best for those who don’t qualify for traditional life insurance because of age or health reasons. 

 

Overall, guaranteed issue life insurance is best for those who:

 

  • Have medical conditions that make it nearly impossible to have other types of life insurance
  • Have a limited budget
  • Are fine with having a smaller amount of life insurance coverage

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Have Questions? We Have Answers!

If you’re interested in learning more about the medical underwriting process, reach out to American Family Solutions today.

214-643-6001

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We are not connected with or endorsed by the United States government or the federal Medicare program. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all your options. American Family Solutions is an independent financial services firm helping individuals create retirement strategies using a variety of investment and insurance products to custom suit their needs and objectives. Investing involves risk, including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. Any comments regarding safety and guaranteed income streams refer only to fixed insurance products. They do not refer, in any way to securities or investment advisory products. Insurance and Annuity product guarantees are subject to the claims-paying ability of the issuing company. No legal advice, options or recommendations are being made in respect to this proposal. You should consult your tax professional or attorney concerning such advice and opinions.