Whether you are applying for term life insurance in Colorado, universal life insurance in West Virginia or whole life insurance in Nevada, the underwriting guidelines are essentially the same.
Height and weight (build) play an important part in underwriting. With plenty of studies showing the adverse affects of obesity on life expectancy, underwriters use an applicant’s build as part of the equation for determining what rate class, or risk class an applicant is placed in.
A person 5’6, 160# is given more favorable consideration than a person than someone who is 5’6, 230#. From a purely mortality standpoint the heavier person is more prone to heart disease and diabetes. A professional agent from the Hinerman Group can help you understand where you fit into the whole scheme of things with your particular build. They also know which companies will make the best offer when just a few pounds can make a difference.
Life insurance underwriting is all about determining risk and the better a customer understands the risk factors, the more effective job of shopping for life insurance you can do. You can reach the Hinerman Group at 866-539-7914 if you need help determining how you fit into the life insurance equation.
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