"We are the Substandard Life Insurance experts"
| Date of attack(s)? | What type of treatment? |
| How long hospitalized? | Any restricted activities? |
| Current medication(s)? | Any surgery recommended? |
| Is there any other health history? |
Most companies will require at least six months waiting period
after a mild heart attack prior to underwriting.
Several carriers will not rate a heart attack history over four years old
if a subsequent Stress EKG, showing no abnormalities is available.
| How long has client had high blood pressure? | Does the client keep a record of blood pressure readings? | Is the blood pressure under control? | What medication, if any, is the client on? | Are there any other health problems? |
Most companies will "rate" individuals with a history of high blood pressure.
This rating may be in the form of a standard rather than preferred offer.
It is best to get a history of readings for at least the past year.
Several companies will issue "preferred" to individuals
who are under medication to control high blood pressure.
| When was the cancer diagnosed? | Was a biopsy performed? |
| What type of malignancy? | Sarcoma, Carcinoma, Epithelioma? |
| If Melanoma, what Clark level? | What type of treatment was received? |
| When was treatment completed? | Was there metastasis? |
In most instances, if there was metastasis, the case will be rejected.
If no metastasis, depending on the location of the cancer and the type,
a small to very large temporary extra can be expected.
Most skin cancers should not pose an underwriting problem
as well as low grade Prostate cancer in older individuals.
Generally, carriers like to wait at least one year
from the date of last treatment.
| When was the disease first diagnosed? | Is client on Insulin, how much? | How often is physician seen? | How often is blood sugar tested? | Are sugar levels normal? | Is there family history of diabetes? | Are there any other medical problems related to diabetes, non related? |
Several carriers will issue, late onset diabetes standard,
while most tend to issue mild ratings.
Generally the longer the individual has had diabetes,
the higher the rating will be.
Other factors that can affect ratings include type and quality of control.
Is the client able to maintain normal sugar levels with just diet
or is medication necessary?
Have any complications occured?
Eye or vision problems, poor circulation or leg cramps?