Term Life Insurance Underwriting Guidelines

UPDATED: Mar 2, 2020

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An Important Note

Underwriting guidelines vary by company. Our table shows general guidelines and isn’t meant to be specific to any one company. Please use this table as a guide only. Your approval and final cost will be determined by the company you apply with.

If you’d like help with this table or help with a particular company’s guidelines, please contact us.

Life Insurance Rating Classes for Specific Medical Conditions

Medical ConditionsPreferred PlusPreferredStandard PlusStandard
Alzheimer'sNoNoNoNo
Anxiety/DepressionNoYesYesYes
AsthmaNoPossibleYesYes
CancerNoNoNoYes
Heart DiseaseNoNoNoYes
Lung DiseaseNoNoYesYes
Crohn's DiseaseNoNoPossibleYes
Type I DiabetesNoNoNoNo
Type II DiabetesNoNoPossibleYes
Epilepsy/SiezuresNoPossibleYesYes
HeadachesNoYesYesYes
Hepatitis A & BNoPossibleYesYes
Hepatitis CNoNoNoYes
Kidney/Liver DiseaseNoNoNoYes
LupusNoNoNoYes
Multiple SclerosisNoNoNoPossible
Rheumatoid ArthritisNoNoNoNo
Sleep ApneaNoNoPossibleYes
Stroke/TIANoNoNoPossible
TuberculosisNoNoNoYes

Note: Guidelines for family history vary widely by company and may not even apply to you if you’re over 60. Some companies do not even consider family history of cancer, and others only look for certain types of cancer. Check with us to find the best company for your situation.

Specific Medical Conditions

Life Insurance Rating Classes for Specific Medical Conditions
Medical ConditionsPreferred PlusPreferredStandard PlusStandard
Alzheimer'sNoNoNoNo
Anxiety/DepressionNoYesYesYes
AsthmaNoPossibleYesYes
CancerNoNoNoYes
Heart DiseaseNoNoNoYes
Lung DiseaseNoNoYesYes
Crohn's DiseaseNoNoPossibleYes
Type I DiabetesNoNoNoNo
Type II DiabetesNoNoPossibleYes
Epilepsy/SiezuresNoPossibleYesYes
HeadachesNoYesYesYes
Hepatitis A & BNoPossibleYesYes
Hepatitis CNoNoNoYes
Kidney/Liver DiseaseNoNoNoYes
LupusNoNoNoYes
Multiple SclerosisNoNoNoPossible
Rheumatoid ArthritisNoNoNoNo
Sleep ApneaNoNoPossibleYes
Stroke/TIANoNoNoPossible
TuberculosisNoNoNoYes

Note: The life insurance company will give all medical conditions listed above individual consideration. They will likely review medical records from your doctor in their evaluation. Check with us to find the best company for your situation.

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