• The plans we offer are underwritten, meaning the underwriters of the insurance company will look into your health history and any dangerous avocations or hobbies to determine if you are insurable.
• Most of the plans we offer have a simple standard tobacco or standard non-tobacco risk classification, but some have risk classifications that fall into four basic categories:

1. Preferred – Someone in excellent overall health with very few or no minor medical conditions and no serious medical conditions. Premiums for those who qualify for a preferred classification are the lowest amount possible.
2. Standard – Someone in good overall health with no serious medical conditions and maybe a few minor medical conditions. Those in a standard classification pay the standard premium rates.
3. Substandard – Someone with several medical conditions or a history of serious medical conditions. People in a substandard classification pay premium rates that are more expensive.
4. Uninsurable – Someone in poor overall health with many serious health conditions. For people deemed uninsurable, no coverage can be issued.

An underwritten plan results in much lower premiums for the same amount of insurance than any guaranteed issue plan.

Based on a few basic preliminary questions about your health history, coverage needs, and how long you need coverage, we will be able to determine what plans may be the best fit for you.