Your current health, as well as your health history, is a prime consideration in determining your underwriting class, as well as whether you are even insurable.

Remember, the company is betting that you will live beyond the term of your insurance. Anything that decreases these odds will affect your life insurance underwriting category and insurability.

Underwriting Example
The diseases listed in this table are considered by insurance companies during the underwriting process.

Current symptoms of many of these diseases will make you uninsurable. For others, recent history will make you uninsurable. Some of them will cause you to be placed into an "impaired risk" rating. This will greatly increase your premium, but at least you will be able to obtain life insurance.