While it is impossible to know your rate class with 100% certainty
until your case is evaluated by the ExpressApprove
automated underwriting engine, the following is provided to give
you some general guidance as to what you might expect.
If you qualify for a different rate than the one you select,
don't worry - we will let you know and explain your options.
You may qualify for the best or 'Excellent' rate if you are
in generally good health and haven't used nicotine at all for at
least the past 36 months and,
You may qualify for the 'Good' rate if you are in generally
good health and haven't used nicotine at all for at least the past
12 months and,
If you don't qualify for the other rates due to certain other
medical conditions you may qualify for this rate.
Note: Depending on your actual health, it is
possible that you will be declined coverage.
We are currently processing your request.Thank you for your patience.