This is a secure digital form where your information is completely safe and confidential. The number one goal of medical pre-screening to to eliminate negative surprises with the rates after you apply. Please complete these fields with your detailed information so we may review your case and find the most applicable life insurance company for your given health history. This will allow us to secure the lowest rates for you. Please be as detailed as possible in order for us to receive accurate rates from the multiple carriers we request projected rates from. Medical Pre-Screening is a very important step in securing the best life insurance plan for the least amount of money. Having any health conditions could affect the final rates of your application and we want to limit the impact they may have on your premium. Investing 10 minutes worth of time medical pre-screening your health conditions can help you to land the best life insurance rates possible.
The primary purpose of a medical pre-screen is to predetermine what life insurance company will offer you the lowest premiums.
This is a simple and secure inquiry that helps to eliminate unforeseen changes in your health classification once your application is approved.
Your information is always secure and shared with no one for any reason.
Even the life insurance companies themselves will have no knowledge of your identity.
*Once this form is completed, all of the work is done entirely by your agent.
What exactly are medical conditions and how could they affect my rates?
Medical conditions otherwise known as health conditions are pre-existing medical problems. These could be conditions such as High Cholesterol, Hypertension (high blood pressure), Diabetes, Heart Conditions, Obesity (overweight), Cancer, Anxiety, Depression, Epilepsy, Kidney Disease, Strokes, Asthma and many others. Medical pre-screening can save time and help find the best life insurance rates.
Hazardous occupations can also increase your life insurance premiums.
Hazardous occupations such as Structural Iron and Steel Workers, Farmers and Ranchers including Agricultural Managers, Truck Divers, Drivers and Sales Workers, Construction Workers & Laborers, Refuse and Garbage Collectors, Electrical Power Line Repairmen & Power Line Installers, Roofers, especially the commercial roofer working with hot tar, Airplane Pilots and Helicopter Pilots along with Flight Engineers, Logging workers otherwise known as Loggers & Lumberjacks, Commercial Fisherman working in the oceans and a number of others.
Dangerous sports can also cause a high risk exposure increasing your rates.
Some of these sports could be Scuba Diving, Sky Diving, Bungee Cord Jumping, Heliskiing, White Water Rafting, Base Jumping, Bull Riding (Rodeo), Motorcycle Racing, Rock Climbing, Drag Racing, Boat Racing, Stock Car Racing, Private Airplane and Helicopter flying just to name a few.