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Great Article on Substandard Term Life Insurance and how to get the best quotes or rates from the carriers and your broker...

Underwriting Guide to Substandard Impaired Risk Term Life Insurance - Story | Get More Stories at Quizilla

Substandard Impaired Risk Life Insurance is an business term used to
characterize insureds that do not qualify for standard or better rate
classes. The insurance carriers have rate class parameters where they
underwrite then place the potential insured in, then the premiums are
calculated. So if you are a preferred or preferred best rate class then
your rates will be cheaper than someones who is a standard or
substandard rate class.

Diabetes Life Insurance
is a very common type of substandard life case. The key with this
health issue for the underwriters is they really like to see good
control and compliance of the health issues. Cancer probably is one of
the most common types of substandard impaired risk issues, in which the
underwriters will want to see a evidence of remission and no re
occurrence. With all the numerous health issues that could affect
underwriting make a note the more your agent knows up front the better
the underwriters can make a decision. The more information the better
and the quicker you should go through underwriting.
Smoker term life insurance plans get dinged up front for the tobacco use then if combined with other health issues the rate can come back even worse.