Underwriting Changes Effective July 1
Paramed Exams are no longer required with Tele-App applications. Examiners will still go out and take blood and urine samples as well as height, weight and blood pressure but the examiners will not ask medical questions.
Enhancements to Healthy Lifestyle Credits. Clients with a favorable HLC score can not have flat extra ratings taken off of their policy with the HLC program when the flat extra is the only rating that applies.
Diabetes clients over age 70 with good A1C and no cardiovascular history and lifetime non-smoker can not apply for preferred rates.
Tobacco users must now be tobacco free for 24 months to be considered for preferred rates. This is being changed from 12 months. Clients who are tobacco free for 12 months will now be considered at super standard rates.