Here’s a way to find out if your Pre-Exisiting Medical Condition can be underwritten for Life Insurance at the
Preferred Price or with a Surcharge (Rate).

If you have any of the conditions below, please complete our

Life Insurance Health History Forms

Life Insurance Screening Form
(Pre Existing Conditions)

A – C 





C – E

Cholesterol – Lipid
Crohns Disease
Dementia – Alzheimer


Abnormal EKG
Aortic Regurgitation
Aortic Stenosis
Bundle Branch Block

Congestive Heart Failure
General Heart – Irregular Beat (Atrial Fibrillation)
Mitral Valve Prolapse
Mitral Valve Regurgitation
Mitral Valve Stenosis
Pulmonary Disease

H – J



Renal Insufficiency

L – Z

Liver Enzyme Elevations
Multiple Sclerosis


If all else fails, check our Guaranteed and Simplified Issue Graded Benefit Plans.

Life Insurance Screening Form

life insurance intake - screening form


Life Screening Form – Please complete & return and we’ll search and consult for you.  Or try this one from

Set up a phone, Zoom, skype or face to face consultation 


Prostate Issues?



John Hopkins

Prostate Cancer Foundation

Does your PSA indicate cancer?

Normal PSA levels in the blood are very small amounts between 0-2.5 ng/ml.  Levels greater than 2.5 ng/ml, can have many different causes. Prostate Cancer is one cause.  Higher levels of PSA can be found in the blood as prostate cancer cells begin to proliferate in an uncontrolled way. But elevated PSA levels doesn’t necessarily mean prostate cancer.  PSA can also rise for benign, non-cancerous conditions such as enlarged prostate, prostate inflammation, infection, or trauma.  Get checked by your doctor.

IMPORTANT: All elevated readings of PSA should be checked.

Gleason Score

Understanding Your Pathology Report:

Prostatic Intraepithelial Neoplasia (PIN) and Intraductal Carcinoma 


How to get coverage, after Prostate Cancer?

After reviewing the article, be sure to come back and email us [email protected]


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15 comments on “Rated – Surcharged Policies

    • The healthiest people with the safest lifestyles are considered the least risky, so they are placed in the categories that qualify them for the lowest rates.

      Although the exact names differ from one company to the next, you can expect to find some generic categories:

      Super preferred nonsmoker:

      Applicants in excellent health who typically haven’t smoked for at least five years may land in this category and get the best possible rates. You’ll need normal weight for height, normal blood pressure and cholesterol readings, and a clean medical history. Generally there can be no death due to heart disease or cancer of a parent or sibling before age 60. Your driving record counts, too. Generally you won’t make it into the top class if you’ve had a DUI conviction within the past five years. You also will be disqualified if your license has been suspended or you have had more than two moving violations or accidents within the past three years.

      Preferred nonsmoker:

      The second-best category is also associated with excellent health, although you will get a little more leeway on blood pressure, cholesterol and weight. A premature death of a parent or sibling from cancer or heart disease typically isn’t acceptable. You don’t have to look like a fitness model to qualify for these good rates. A 5-foot-10-inch man can weigh 129 to 210 pounds, and a 5-foot-5-inch woman can weigh 102 to 178 to qualify for “preferred” rates with AIG, for example.

      » Compare: Term life insurance quotes

      Standard plus nonsmoker:

      This category is for nonsmokers who are generally in good health but don’t quite make the preferred category. Treatment for high blood pressure may be acceptable, for instance, as long as readings are in a normal range.

      Standard nonsmoker:

      The average person falls into this category. Being overweight or being treated for elevated blood pressure may be acceptable, as would the death of one parent or sibling before age 60 from heart disease or cancer.

      Preferred smoker:

      This category is for smokers who otherwise would qualify for preferred rates. If you have recently quit smoking, you still may get smoker rates. Typically you must be a nonsmoker for at least five years to qualify for the best nonsmoking rates, at least three years for the second-best rates and one year for standard nonsmoker rates.

      Standard smoker:

      This is for smokers who otherwise would fall into the standard nonsmoker category.

      Here’s more detail for agent’s only… I found it on the internet. I’m just linking to it.

      We would need you to complete an application or at least the life screening form and any of the above Health History Forms if applicable.

  1. Sure, I have some of the above medical problems, but they are all under control. My blood and hormone levels are fine. My medications are doing their job.

    Why should I have to pay extra.

    My chances of dying are not higher than anyone else’s.

  2. In your opinion which insurance companies selling Term Life policies are best to work with in regards to pre-exisiting medical conditions?

    ie. No underwriting OR more favorable underwriting outcomes and ratings, more insurance options, and lower cost premiums?

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