All life insurance applications, whether term life insurance for a pilot in Wyoming, or universal life for a scuba diver in Florida, are subject to underwriting guidelines. Being a pilot or a scuba diver may require underwriting guidelines that would go beyond an applicant who doesn’t participate in those activities.
Many of the guidelines are the same. One that comes into play more often than most is build, or height and weight. Insurance companies are well aware that a healthy build leads to less risk of diseases and therefore a longer expected life.
A build of 5’10, 175# would be rewarded with lower rates, due to the decreased mortality risk, than a height and weight of 5’10, 225#. When applying for insurance it would be wise to check your build on a good set of scales and then talk to a professional agent at the Hinerman Group to determine where you fall on company build charts.
Not all companies use the same charts for build or the same guidelines for pilots or scuba divers. Call the Hinerman Group at 866-539-7914 and get the help you need to determine which company is the best fit for you. Knowing the guidelines going in can save you from paying more than you need to for your life insurance.
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Underwriting For Term Life Insurance
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