What simplified underwriting can mean for you
Some carriers offer application paths that may not require a medical exam for eligible applicants. These programs use health data and prescription checks along with your application answers to make a decision. If you qualify, approval can be faster and the experience can feel easier.
Other applicants may complete a brief exam so the insurer can fully evaluate health and risk. We outline what to expect either way and set clear expectations before you apply. Final requirements are determined by the issuing company and are part of its underwriting guidelines.
How to prepare
- Have recent doctor visit details and medications ready
- Complete the application carefully and honestly
- Schedule any requested exam at a convenient time