All Frequently Asked Questions

What does fully medically underwritten mean?

Fully medically underwritten term life insurance means an insurer uses your full medical history to make an informed and confident decision on your coverage eligibility and, in turn, offer you a policy at a lower cost.
Some policies that aren't fully medically underwritten include Simplified Issue and Guaranteed Issue. Policies like these don't require full insight into your medical history, which means pricing and coverage cannot be priced individually, making them higher in cost (often two times as much) and providing lower coverage (typically up to $250,000).
We wholeheartedly believe that fully medically underwritten term life insurance is the way to go if you qualify.