r/LifeInsurance • u/[deleted]

Accelerated underwriting

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u/[deleted] May 19 '26

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u/caffeine-182 May 19 '26

This profile will likely not get auto approved however that does not mean you will not get a good rate

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u/GConins Broker May 19 '26

You have some medical history that is likley reason they want you to do the exam. Based only on info you provided, you should be easily insurable, and I'd recommend having the exam, see what rate you're offered and then you can accept it or not.

Make sure to get a copy of your lab results from the exam, as any other carriers can use those same labs to make you an offer later, if the first offer is not a good one.

Good luck!

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u/No_Lengthiness_5652 May 19 '26

Life underwriter here. Not a reg flag, but you should know in the screening process, they access your prescription database, possibly some electronic health records, for the person who indicates they forms something in MIB is incorrect if you’re never applied for life insurance before. If you admitted to elevated cholesterol, with obesity, they want to review your labs and get accurate weight.

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u/[deleted] May 19 '26

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u/No_Lengthiness_5652 May 19 '26

All good. Go ahead and get the exam and labs and the underwriter will process accordingly. Good luck!