Your doctor is looking at your overall health and morbidity and working with you to improve conditions and maintain a healthy life and lifestyle. The underwriter is looking not only at mortality but is also governed by the policies of the insurance company. It is the underwriter’s job to determine your specific risk. There are some factors to which the underwriter has some discretion and others which are clearly laid out by insurance company policy.
If your application has been approved other than it has been applied for and your rate has been increased, we are happy to explain the circumstances which led to that decision as well as advocate on your behalf with the underwriter.