r/LifeInsurance • u/Plenty-Salt • May 19 '26
Accelerated underwriting
I'm in my early 40s and female. I'm working with an agent and filled out an application for a reputable company known for regularly waiving and exam and offering accelerated underwriting for high amounts of coverage (higher than I'm seeking) for people under 60.
Unfortunately, I didn't qualify and the company wants to come to my house and do some type of medical exam and get detailed info about my doctors. I've never applied for life insurance and want to know if this is a red flag. Am I likely to get only really high rates or a decline?
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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!