Females

If you have any elevation of lab levels during underwriting and/or take any medications to currently manage your levels, you will most likely not qualify for best rates if approved for life insurance. Depending on the levels, sometimes you are eligible for an adjustment to your rate after your policy is active.

If you are outside the normal ranges of height and weight during underwriting, you will most likely not qualify for best rates if approved for life insurance. Sometimes after weight loss is consistent for over 12 months, you can ask for an adjustment to the rate after placing your policy active.

Sometimes, depending on the health history, the insurance carriers can consider you higher risk and increase your rates due to being possibly predisposed to a condition. A prescreen with an independent broker can help you with your inquiry.

Often, if you currently receive treatments and/or medications for a mental health disorder, your rates can change. If you have prescription fills for a treatment but no longer take that treatment, your rates could also be affected. A prescreen with an independent broker can help you with your inquiry.

If you have had gestational diabetes from a previous pregnancy or have it now while pregnant, the carriers will not allow for best rates now or in the future as they consider this as a risk for diabetes to occur again at some point in your future. Applying prior to pregnancies is always recommended for this reason.