What Healthy Clients Need to Know About Life Insurance Underwriting

How your wellness can work in your favor — and what to watch out for.

We often hear this question: “I’m healthy — does that mean I’ll get the best rate?”

The short answer is usually, yes. But underwriting is more nuanced than most people realize.

What Underwriters Look For

Life insurance underwriting is the process carriers use to assess risk. Even if you feel great, underwriters dig into:

• Medical history: Past diagnoses, surgeries, or prescriptions

• Family history: Genetic risks like cancer or heart disease

• Lifestyle habits: Smoking, alcohol use, travel, and hobbies

• Vitals and labs: Blood pressure, cholesterol, BMI, and more

Why Healthy Clients Often Win

If you maintain a healthy weight, exercise regularly, and have no chronic conditions, you’re likely to qualify for preferred rates — meaning lower premiums for the same coverage.

But here’s the catch: even minor issues (like elevated cholesterol or sleep apnea) can bump you into a different rate class. That’s why working with an agency that understands the nuances — like EGI — can make all the difference.

Common Surprises

• “I take medication for blood pressure — will that hurt me?”

Not necessarily. Controlled conditions often qualify for good rates.

• “I had a surgery 10 years ago — is that a red flag?”

It depends on the type and outcome. We help you present your case clearly.

How EGI Helps You Navigate Underwriting

We don’t just submit your application — we strategically position your profile to highlight your strengths and clarify any concerns. Our partnerships give us access to multiple carriers, so we can match you with the one that sees your health in the best light.

Final Thought

Being healthy is a huge advantage — but it’s not a guarantee. With the right guidance, you can turn your wellness into real savings and long-term protection.

Ready to see how your health stacks up?

👉 [Schedule a personalized quote review with EGI Insurance Agency]