Underwriting
Procedures for Smoker's No Medical Exam Term Life Insurance Answer
Just Six to Eight Simple Questions If
you able to answer NO to all the questions below, the insurance company will automatically
request an instant report from the Medical Information Bureau, which will have
a record of previous health insurance claims and applications you have submitted. This
is like a credit report from Equifax, but for your medical information, not credit
information. If there are no derogatory "codes" or comments on
your report (such as claims for major sickness or injury, drug or alcohol rehabilitation,
etc), then you are APPROVED INSTANTLY! Unlike most term life policies that
can take up to 60 days to get approved, you can apply and secure life insurance
in as little as 5 minutes! Take
advantage of your good health, along with the modern technology of instant access
to your MIB report, and GET APPROVED WITHIN SECONDS! Once you are approved
you we will be able to print a copy of your insurance policy from your computer. If
you answer no to each of the questions, your height and weight are in acceptable
range, and you do not partake in any "Risky Activities or Occupations,"
then GTL will perform a quick (less than 60 seconds) check of your MIB (Medical
Information Bureau) file, as well as your prescription history. If your
MBI file and Rx check does not conflict with your answers to the health questions
on your GTL application, your policy will be instantly issued, and you will be
able to save and print a copy of your policy from your own computer. The
main health questions asked by GTL are as follows: Underwriting
Questions for Term Product -
In the past 10 years, have you been advised to have treatment for, or have you
been treated for or consulted a physician or other practitioner for any of the
following: heart or coronary artery disease or disorder, stroke, peripheral vascular
disease, cancer, diabetes, hepatitis C, cirrhosis, pancreas disease or disorder,
emphysema or chronic lung or pulmonary disease (COLD or COPD), alcohol or drug
use?
- In
the past 5 years, have you been hospitalized for the following: chest pain, high
blood pressure, asthma, depression, manic-depression, other mental or nervous
system disorder, connective tissue disease, paralysis, seizure, anemia, or kidney
or liver disease or disorder (excluding kidney stones)?
- In
the past 2 years, have you had your driver's license revoked, suspended or been
convicted of reckless driving, driving without a valid license or for driving
while under the influence of alcohol or drugs (DWI, DUI)? Or have you had
more than 2 moving violations in the past 12 months? Or have you been convicted
of a felony?
- In
the past or next 12 months, have you engaged in or do you plan to engage in risky
activities, extreme sports or have you flown a plane other than as a commercial
airline pilot? Or are you engaged in a hazardous occupation that exposes
you to the risk of loss of life?
- Have
you been diagnosed as having AIDS, AIDS Related Complex (ARC), or any other disorder
of your immune system or have you had a positive HIV test?
- Are
you currently hospitalized, or in the past 12 months have you either been hospitalized
for 5 or more consecutive days, or were you unable to work for more than 5 consecutive
days other than for childbirth? Or have you been advised to have, or are
you awaiting results of non routine medical tests or procedures?
Note:
-
Some states have state specific questions that are slight variations of above.
- There
is also a qualification question about being a U.S. Citizen.
Risky
Activities and Occupations GTL
will also ask about your participation in "risky activities and occupations".
Those who engage in hazardous hobbies may not consider them hazardous where an
underwriter may feel differently. Most states have their own definitions
of what is considered to be "risky", however the following list can
be viewed as a general guideline. Examples
of Hazardous Sports: -
Motor racing
-
Scuba diving to more than 60 feet, in caves, under ice, in ship wrecks, at night
- Sky
diving
-
Mountain climbing
-
Parasailing
-
Ultra-light flying.
-
Hang-gliding
-
White water rafting
-
Base jumping
-
Para-kiting
-
Helicopter skiing
-
Ballooning or bungee jumping
-
Racing in any motorized vehicle on land or water
-
Rock climbing or mountain climbing
Examples
of Risky Occupations: -
Aquanatics
-
Astronautics
-
Chemical-biological weaponry
-
Blaster or explosives handling
-
Explosives transportation
-
Structural iron worker
-
Construction cableman
-
Crop dusting
-
Tunnel, subway or shaft construction under compressed air
-
Smokestack, chimney, steeplejack or flagpole worker
-
Fire fighter in explosive or munitions plant
-
Smoke jumper
-
Oil or gas well or offshore oil rig worker or fire fighter
-
Circus trapeze or wild animal trainer
-
Jockey, horse or mule breaker
-
Lumber boomman, faller, raftman, rigger or topman
-
Underground mining or firefighting
-
Open pit or surface mining
-
Radium or uranium mining
-
Bartending where liquor is the primary source of income
-
On-the-job exposure to hazardous materials including asbestos, acids, silica,
toxic fumes, dangerous chemicals, harmful mining materials.
If
any information provided by the applicant DOES NOT meet the underwriting guidelines
mentioned above, a declination page will automatically appear. Automatic
declines will generate if: -
Applicant's height/weight is outside of underwriting guidelines
-
The product is not available in the applicant's residence state
-
Applicant's age is out of underwriting guideline range
If
a decline screen is generated, then this Term Insurance product is not available
to you at this time. You
must weigh below the maximum weight to be eligible for this coverage: 
Call
us at (866) 429-5991 for Personal, Confidential Assistance
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