Health concerns

There are a number of common medical conditions that life insurance companies take into consideration in the underwriting process that can increase insurance rates.

  • Cancer
  • Diabetes
  • High blood pressure
  • Heart disease
  • High cholesterol
  • Obesity
  • If you have cancer, Mutual of Omaha can be a fit
  • If you’re in remission, Lincoln Financial might be the right fit.
  • If you have diabetes, consider AIG or Prudential.
  • John Hancock has competitive rates for high blood pressure, high cholesterol, and heart disease.

What are life insurance classifications?

Preferred Plus

  • Excellent health
  • Ideal Health/Weight ratio
  • Clean family history


  • Very good health
  • Minor health conditions

Standard Plus

  • Good health
  • Not an ideal height/weight ratio
  • Good family history


  • Not an ideal Height/weight ratio
  • Complicated family history


  • Complicated family health history
  • Recent Serious health issues


January 9

Karim Alraisi

Extremely satisfied with the service

Spoke to the team a couple of weeks ago and updated my life insurance cover. It’s something that has always confused me about which cover works best and the advisor went through all the details and explained everything very clearly. I’m very happy with the service provided and would definitely recommend them.

January 9

Victor Eymard

Happy with the help!

Beyond happy with the help I have received today. Very friendly advisor, helped me perfectly with my situation. Thank you so much

January 9

Jhon Zac

Amazing & Friendly Staff

Excellent service. Really friendly staff who made the whole process comfortable, avoiding any stress on my part. Everything was described in detail in a user friendly manner, making it easy to make a decision.

January 9

C. Peterson

Got the perfect plan for my need!

I finally found the insurance I was looking for.
My advisor was amazing, she listened and the found me the perfect plan for my needs, I shall be forever grateful..

By clicking above, you agree to our Privacy Policy and to receive insurance offers from Quotelifenow at the email address or telephone numbers you provided. You understand that consent is not a condition of purchase and your consent may be revoked at any time. QuoteLifeNow is a service company to sell life insurance online. Your premium could vary depending on your age, health, issuing company and other factors.

The quote is based on the assumption of excellent health and a preferred Plus rating and does not take into consideration occupational risks or other avocations.Approval and actual premiums will be based upon the entire underwriting process, including but not limited to, information provided on the application, exam results and specific underwriting requirements and criteria. Premium rates vary by coverage amount: $100,000-$249,999, $250,000-$499,999, $500,000- $999,999, $1,000,000 and above. Premiums quoted include $60 annual policy fee.

The states Quotelifenow services are Florida #E024496 and North Carolina #1716928