Here’s a way to find out if your Pre-Exisiting Medical Condition can be underwritten for Life Insurance at the
Preferred Price or with a Surcharge (Rate).
If you have any of the conditions below, please complete our
Life Insurance Health History Forms
Life Insurance Screening Form
(Pre Existing Conditions)
|
A – C Arthritis Cancer Bladder Skin C – E Cholesterol – Lipid |
Heart Attack Bypass H – J Hematuria |
Kidney Stones L – Z Liver Enzyme Elevations |
If all else fails, check our Guaranteed and Simplified Issue Graded Benefit Plans.
Life Screening Form - Please complete & return and we'll search and consult for you. Or try this one from NAAIP.org
Set up a phone, Zoom, skype or face to face consultation
When a loved one dies AIG
Steps to settling an estate
Locating Important Papers
CA Statutory Will
Fill in the blanks
Steve Video on CA Statutory Will
Please excuse the sound quality… it gets better after the first 20 seconds
Prostate Issues?
Prostate
Does your PSA indicate cancer?
Normal PSA levels in the blood are very small amounts between 0-2.5 ng/ml. Levels greater than 2.5 ng/ml, can have many different causes. Prostate Cancer is one cause. Higher levels of PSA can be found in the blood as prostate cancer cells begin to proliferate in an uncontrolled way. But elevated PSA levels doesn’t necessarily mean prostate cancer. PSA can also rise for benign, non-cancerous conditions such as enlarged prostate, prostate inflammation, infection, or trauma. Get checked by your doctor.
IMPORTANT: All elevated readings of PSA should be checked.
Understanding Your Pathology Report:
Prostatic Intraepithelial Neoplasia (PIN) and Intraductal Carcinoma
wikipedia.org/High-grade_prostatic_intraepithelial_neoplasia
mdxhealth.com/confirmmdx-prostate-cancer
How to get coverage, after Prostate Cancer?
After reviewing the article, be sure to come back and email us [email protected]
What’s the difference between super preferred and super preferred plus?
The healthiest people with the safest lifestyles are considered the least risky, so they are placed in the categories that qualify them for the lowest rates.
Although the exact names differ from one company to the next, you can expect to find some generic categories:
Super preferred nonsmoker:
Applicants in excellent health who typically haven’t smoked for at least five years may land in this category and get the best possible rates. You’ll need normal weight for height, normal blood pressure and cholesterol readings, and a clean medical history. Generally there can be no death due to heart disease or cancer of a parent or sibling before age 60. Your driving record counts, too. Generally you won’t make it into the top class if you’ve had a DUI conviction within the past five years. You also will be disqualified if your license has been suspended or you have had more than two moving violations or accidents within the past three years.
Preferred nonsmoker:
The second-best category is also associated with excellent health, although you will get a little more leeway on blood pressure, cholesterol and weight. A premature death of a parent or sibling from cancer or heart disease typically isn’t acceptable. You don’t have to look like a fitness model to qualify for these good rates. A 5-foot-10-inch man can weigh 129 to 210 pounds, and a 5-foot-5-inch woman can weigh 102 to 178 to qualify for “preferred” rates with AIG, for example.
» Compare: Term life insurance quotes
Standard plus nonsmoker:
This category is for nonsmokers who are generally in good health but don’t quite make the preferred category. Treatment for high blood pressure may be acceptable, for instance, as long as readings are in a normal range.
Standard nonsmoker:
The average person falls into this category. Being overweight or being treated for elevated blood pressure may be acceptable, as would the death of one parent or sibling before age 60 from heart disease or cancer.
Preferred smoker:
This category is for smokers who otherwise would qualify for preferred rates. If you have recently quit smoking, you still may get smoker rates. Typically you must be a nonsmoker for at least five years to qualify for the best nonsmoking rates, at least three years for the second-best rates and one year for standard nonsmoker rates.
Standard smoker:
This is for smokers who otherwise would fall into the standard nonsmoker category. https://www.nerdwallet.com/blog/insurance/preferred-standard-life-insurance-rating-categories/
Here’s more detail for agent’s only… I found it on the internet. I’m just linking to it.
https://www.lgamerica.com/forms/banforms/Underwriting%20Forms/LAA1934.pdf
We would need you to complete an application or at least the life screening form and any of the above Health History Forms if applicable.
What’s the difference between super preferred and super preferred plus?
The healthiest people with the safest lifestyles are considered the least risky, so they are placed in the categories that qualify them for the lowest rates.
Although the exact names differ from one company to the next, you can expect to find some generic categories:
Super preferred nonsmoker:
Applicants in excellent health who typically haven’t smoked for at least five years may land in this category and get the best possible rates. You’ll need normal weight for height, normal blood pressure and cholesterol readings, and a clean medical history. Generally there can be no death due to heart disease or cancer of a parent or sibling before age 60. Your driving record counts, too. Generally you won’t make it into the top class if you’ve had a DUI conviction within the past five years. You also will be disqualified if your license has been suspended or you have had more than two moving violations or accidents within the past three years.
Preferred nonsmoker:
The second-best category is also associated with excellent health, although you will get a little more leeway on blood pressure, cholesterol and weight. A premature death of a parent or sibling from cancer or heart disease typically isn’t acceptable. You don’t have to look like a fitness model to qualify for these good rates. A 5-foot-10-inch man can weigh 129 to 210 pounds, and a 5-foot-5-inch woman can weigh 102 to 178 to qualify for “preferred” rates with AIG, for example.
» Compare: Term life insurance quotes
Standard plus nonsmoker:
This category is for nonsmokers who are generally in good health but don’t quite make the preferred category. Treatment for high blood pressure may be acceptable, for instance, as long as readings are in a normal range.
Standard nonsmoker:
The average person falls into this category. Being overweight or being treated for elevated blood pressure may be acceptable, as would the death of one parent or sibling before age 60 from heart disease or cancer.
Preferred smoker:
This category is for smokers who otherwise would qualify for preferred rates. If you have recently quit smoking, you still may get smoker rates. Typically you must be a nonsmoker for at least five years to qualify for the best nonsmoking rates, at least three years for the second-best rates and one year for standard nonsmoker rates.
Standard smoker:
This is for smokers who otherwise would fall into the standard nonsmoker category. https://www.nerdwallet.com/blog/insurance/preferred-standard-life-insurance-rating-categories/
Here’s more detail for agent’s only… I found it on the internet. I’m just linking to it.
https://www.lgamerica.com/forms/banforms/Underwriting%20Forms/LAA1934.pdf
We would need you to complete an application or at least the life screening form and any of the above Health History Forms if applicable.
Sure, I have some of the above medical problems, but they are all under control. My blood and hormone levels are fine. My medications are doing their job.
Why should I have to pay extra.
My chances of dying are not higher than anyone else’s.
Check this research out:
https://www.cdc.gov/chronicdisease/resources/infographic/chronic-diseases.htm
One might not die directly from a chronic illness, but there is an increased risk of suicide!
https://themighty.com/2017/06/chronic-illness-increase-suicide-risk/
Increased risk of Cancer:
heart disease markers, diabetes, chronic kidney disease markers, pulmonary disease and gout (a form of arthritis).
The study found that each of these chronic diseases or markers was individually linked with a 7- to 44-percent increased risk of developing cancer, and a 12- to 70-percent increased risk of dying from cancer.
High chronic disease risk scores were also linked with a 13-year reduction in life span for men and a 16-year reduction in life span for women.
https://www.livescience.com/61605-chronic-diseases-cancer.html
That doesn’t seem to be what this chart shows.
https://www.iii.org/fact-statistic/facts-statistics-mortality-risk
A chronic condition is a human health condition or disease that is persistent or otherwise long-lasting in its effects or a disease that comes with time. Common chronic diseases include arthritis, asthma, cancer, chronic obstructive pulmonary disease, diabetes and some viral diseases such as hepatitis C and acquired immunodeficiency syndrome.
Chronic diseases constitute a major cause of mortality, and the World Health Organization (WHO) attributes 38 million deaths a year to non-communicable diseases
While risk factors vary with age and gender, most of the common chronic diseases in the US are caused by dietary, lifestyle and metabolic risk factors that are also responsible for the resulting mortality.
https://en.wikipedia.org/wiki/Chronic_condition
http://www.besthealthdegrees.com/health-risks/
Sure, I have some of the above medical problems, but they are all under control. My blood and hormone levels are fine. My medications are doing their job.
Why should I have to pay extra.
My chances of dying are not higher than anyone else’s.
Check this research out:
https://www.cdc.gov/chronicdisease/resources/infographic/chronic-diseases.htm
One might not die directly from a chronic illness, but there is an increased risk of suicide!
https://themighty.com/2017/06/chronic-illness-increase-suicide-risk/
Increased risk of Cancer:
heart disease markers, diabetes, chronic kidney disease markers, pulmonary disease and gout (a form of arthritis).
The study found that each of these chronic diseases or markers was individually linked with a 7- to 44-percent increased risk of developing cancer, and a 12- to 70-percent increased risk of dying from cancer.
High chronic disease risk scores were also linked with a 13-year reduction in life span for men and a 16-year reduction in life span for women.
https://www.livescience.com/61605-chronic-diseases-cancer.html
That doesn’t seem to be what this chart shows.
https://www.iii.org/fact-statistic/facts-statistics-mortality-risk
A chronic condition is a human health condition or disease that is persistent or otherwise long-lasting in its effects or a disease that comes with time. Common chronic diseases include arthritis, asthma, cancer, chronic obstructive pulmonary disease, diabetes and some viral diseases such as hepatitis C and acquired immunodeficiency syndrome.
Chronic diseases constitute a major cause of mortality, and the World Health Organization (WHO) attributes 38 million deaths a year to non-communicable diseases
While risk factors vary with age and gender, most of the common chronic diseases in the US are caused by dietary, lifestyle and metabolic risk factors that are also responsible for the resulting mortality.
https://en.wikipedia.org/wiki/Chronic_condition
http://www.besthealthdegrees.com/health-risks/
I got surcharged for being overweight. How do I go about losing 10 pounds and reapplying?
Research:
The reason people associate extra weight with higher insurance premiums is because pre-existing medical conditions often go hand in hand with with larger sizes. Overweight and obesity may increase the risk of many health problems, including diabetes, heart disease, and certain cancers. If you are pregnant, excess weight may lead to short- and long-term health problems for you and your child. National Institute of Diabetes and Digestive and Kidney Diseases
Most people who don’t watch what they eat or rarely exercise will drop 5-10 pounds in approximately two weeks. Simply cut down calories and fatty food, and workout at least 5 days per week. Your exercise routine should also include cardio!
When your life insurance agent fills out your application, they will ask “have you gained or lost 10 lbs. or more in the last 12 months?”
IF you answer yes, which the man in our example will have to do, the insurance company will give him the benefit of only 50% of his weight loss.
Unfair right?
Not really.
Life insurance companies are looking for stable, and lasting weight loss, so they require 1-2 years of maintained weight before they give you full credit.
We often get clients who say, they’ve lost weight, and the doctor has reduced their meds as a result. This is great news – but I still have to explain the 50% credit issue. If they’ve lost 20 – 30 lbs over the past 12 months they unfortunately will only be credited with half that weight loss.
Note: It makes sense to lose a few pounds to meet weight chart requirements, but losing more than 10 pound will be counter- productive. So no crash dieting please. More is not always better.
Whomp, whomp!
They haven’t lost the weight AND they are still uninsured. These are people with kids, mortgages and debt. The primary breadwinners of their family – which means they are putting everyone they love at risk.
https://www.insuranceblogbychris.com/losing-weight-to-save-money-on-life-insurance/
If you do intend to lose weight, make sure that you do it well in advance of applying for a life insurance policy. For starters, losing weight can take anywhere from a few weeks to a couple of months, just to lose a few pounds. For another, the insurance company will want to know what your weight is as of the date that you made your application – losing weight afterwards will not benefit you.
There is at least one more timing issue in regard to losing weight. If your weight at the time of your last medical encounter was 20 pounds heavier than what you are at application, the insurance company will often average the two weights, rather than giving you the full benefit of your current weight. They’ll do that under the assumption that your weight tends to fluctuate, and the average is more accurate than the current reading. https://www.mcmha.org/lower-life-insurance-quote-losing-weight/
See our pages on health and weight loss
https://wellness.healthreformquotes.com/
https://wellness.healthreformquotes.com/height-weight-charts-bmi/
https://wellness.healthreformquotes.com/wellness-programs/aetna-health-preventative-care/
https://wellness.healthreformquotes.com/wellness-programs/blue-cross/
https://wellness.healthreformquotes.com/wellness-programs/health-net/
https://wellness.healthreformquotes.com/wellness-programs/kaiser/
https://wellness.healthreformquotes.com/wellness-programs/uhc-united-health-care/
https://www.bmi3d.com/calculator.html
I got surcharged for being overweight. How do I go about losing 10 pounds and reapplying?
Research:
The reason people associate extra weight with higher insurance premiums is because pre-existing medical conditions often go hand in hand with with larger sizes. Overweight and obesity may increase the risk of many health problems, including diabetes, heart disease, and certain cancers. If you are pregnant, excess weight may lead to short- and long-term health problems for you and your child. National Institute of Diabetes and Digestive and Kidney Diseases
Most people who don’t watch what they eat or rarely exercise will drop 5-10 pounds in approximately two weeks. Simply cut down calories and fatty food, and workout at least 5 days per week. Your exercise routine should also include cardio!
When your life insurance agent fills out your application, they will ask “have you gained or lost 10 lbs. or more in the last 12 months?”
IF you answer yes, which the man in our example will have to do, the insurance company will give him the benefit of only 50% of his weight loss.
Unfair right?
Not really.
Life insurance companies are looking for stable, and lasting weight loss, so they require 1-2 years of maintained weight before they give you full credit.
We often get clients who say, they’ve lost weight, and the doctor has reduced their meds as a result. This is great news – but I still have to explain the 50% credit issue. If they’ve lost 20 – 30 lbs over the past 12 months they unfortunately will only be credited with half that weight loss.
Note: It makes sense to lose a few pounds to meet weight chart requirements, but losing more than 10 pound will be counter- productive. So no crash dieting please. More is not always better.
Whomp, whomp!
They haven’t lost the weight AND they are still uninsured. These are people with kids, mortgages and debt. The primary breadwinners of their family – which means they are putting everyone they love at risk.
https://www.insuranceblogbychris.com/losing-weight-to-save-money-on-life-insurance/
If you do intend to lose weight, make sure that you do it well in advance of applying for a life insurance policy. For starters, losing weight can take anywhere from a few weeks to a couple of months, just to lose a few pounds. For another, the insurance company will want to know what your weight is as of the date that you made your application – losing weight afterwards will not benefit you.
There is at least one more timing issue in regard to losing weight. If your weight at the time of your last medical encounter was 20 pounds heavier than what you are at application, the insurance company will often average the two weights, rather than giving you the full benefit of your current weight. They’ll do that under the assumption that your weight tends to fluctuate, and the average is more accurate than the current reading. https://www.mcmha.org/lower-life-insurance-quote-losing-weight/
See our pages on health and weight loss
https://wellness.healthreformquotes.com/
https://wellness.healthreformquotes.com/height-weight-charts-bmi/
https://wellness.healthreformquotes.com/wellness-programs/aetna-health-preventative-care/
https://wellness.healthreformquotes.com/wellness-programs/blue-cross/
https://wellness.healthreformquotes.com/wellness-programs/health-net/
https://wellness.healthreformquotes.com/wellness-programs/kaiser/
https://wellness.healthreformquotes.com/wellness-programs/uhc-united-health-care/
https://www.bmi3d.com/calculator.html
In your opinion which insurance companies selling Term Life policies are best to work with in regards to pre-exisiting medical conditions?
ie. No underwriting OR more favorable underwriting outcomes and ratings, more insurance options, and lower cost premiums?
We really can’t answer the question for you, until you let us know by completing the appropriate form above. Then we can search and find you the most appropriate plan for your needs and medical situation. You might also check final expense and almost guaranteed issue plans.
In your opinion which insurance companies selling Term Life policies are best to work with in regards to pre-exisiting medical conditions?
ie. No underwriting OR more favorable underwriting outcomes and ratings, more insurance options, and lower cost premiums?
We really can’t answer the question for you, until you let us know by completing the appropriate form above. Then we can search and find you the most appropriate plan for your needs and medical situation. You might also check final expense and almost guaranteed issue plans.