The following pages will provide you with a general guide to the probable underwriting action pertaining to many of the most commonly encountered medical impairments. By referring to this guide, you may be able to prepare your client for a special class rating or other coverage limitations based on their medical history.
Some conditions may require a table rating and a flat extra premium. To simplify this guide, table ratings have been used, but a flat extra premium may be used additionally in the event of a higher risk that is temporary – for example, after cancer treatment, heart attack or stroke.
Each case will be evaluated on its own merits. Some applicants may be found to have several minor impairments, none of which alone requires a special class rating. However, collectively, the applicant’s health and, therefore, mortality is affected. Additional benefits such as waiver of premium, accidental death benefit coverage, and critical illness coverage may not be included based on impairment and rating.
Final decision on all applications will be determined by Assurity. Many common impairments are listed. For impairments not listed, please contact the underwriting department at (800) 869-0355 Ext. 4264.