30 Second Insurance Tips©

Tip #278- Think You’re Uninsurable?

Applicants for life insurance undergo thorough underwriting.


What’s that?


Expect to answer a battery of medical questions on the application. Then, expect to have the insurer obtain your medical records. For larger amounts, expect to undergo a paramedical exam.


Here’s the good news. Insurers have seen it all. Some companies have niche expertise in approving common conditions. Here are just two examples:

  • one carrier offers preferred rates on applicants over 60 with well controlled Type 2 diabetes.
  • another insurer offers non-smoker rates even if applicants smoke e-cigarettes or marijuana (three times a week or less)!

It’s good to know we can help a certain gold medal swimmer should he phone!


P.S. Medicare educational meetings at The Rauser Agency 8/24 (Mequon) and 9/27 (downtown). Both start promptly at 5:00. To learn more, give us a call.