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Assurant Underwriting

Underwriting Guidelines

If you are in good health, Assurant has the quickest underwriting in the industry. About 25% of Assurant applications go through the Express Yes approval, and you can print out your insurance card today. Just apply online, and if you answer "no" to all 17 questions and the electronic check of your Medical Information Bureau and Rx record comes back clean, you will be approved immediately.

75% of the remaining apps are approved within 48 hours. If medical records are needed, then it may take significantly longer while the underwriter waits for the physician to send the records.

Certain conditions may be wavered with a temporary rider (usually for one to two years), or an indefinite rider. If pre-existing conditions are disclosed on the application they will not be determined to be pre-existing and will be considered for coverage.

It is standard practice to request a Blood Pressure Inquiry on all applicants who are currently being treated for or who have recently discontinued treatment for high blood pressure.

Height and Weight Chart Eligibility

Any individual (male or female) above the height and weight limits in the chart below are not eligible for Assurant Health policies.

Height Max for Rating (lbs)
4' 10" 190 lbs
4' 11" 197 lbs
5' 0" 203 lbs
5' 1" 210 lbs
5' 2" 217 lbs
5' 3" 224 lbs
5' 4" 231 lbs
5' 5" 239 lbs
5' 6" 246 lbs
5' 7" 254 lbs
5' 8" 261 lbs
5' 9" 269 lbs
5' 10" 277 lbs
5' 11" 285 lbs
6' 0" 293 lbs
6' 1" 301 lbs
6' 2" 310 lbs
6' 3" 318 lbs
6' 4" 327 lbs
6' 5" 336 lbs
6' 6" 345 lbs
6' 7" 354 lbs
6' 8" 363 lbs



Assurant Health Declinable Conditions

This is an illustrative list of the most common conditions that result in a decline. The list is not exhaustive and is subject to change.

  • Alcohol Abuser - diagnosed, associated with other drug abuse, medical disease, three or more DWI’s or more than one detox hospitalization
  • Alzheimer's Disease
  • Amyotrophic Lateral Sclerosis (ALS)
  • Aneurysms
  • Angina
  • Ankylosing Spondylitis
  • Aortic- Insufficiency/Stenosis if surgically repaired valve
  • Aplastic Anemia
  • Arterial - Embolism (clot) or Occlusion
  • Arteriosclerosis Obliterans (A.S.O.)
  • Arteriovenous Malformation - if multiple, large or located in a significant organ structure
  • Atherosclerosi- Obliterans/Thrombotic Disease
  • Atrial Fibrillation - chronic
  • Autism - in child
  • Bipolar Disorders
  • Cardiomyopathy
  • Cerebral Palsy - child or dependent adult
  • Chronic Obstructive Pulmonary Disease (COPD)- less than 45 years old, smoker, underweight with associated respiratory disorders or older than 45 and severe form
  • Cirrhosis of the Liver
  • Coarctation of the Aorta - surgically corrected with complications
  • Congestive Heart Failure (CHF)
  • Cor Pulmonale
  • Coronary - Arterty or Heart Disease
  • Crohn’s Disease
  • Curvature of the Spine - with pulmonary, cardiac or spinal cord involvement
  • Cushing Syndrome - caused by bilateral adrenal hyperplasia or administration of steroids to treat another disorder
  • Cystic Fibrosis
  • Dementia
  • Diabetes Mellitus - Insulin Dependent
  • Down Syndrome
  • Drug Abuse - illegal or prescription (current or past usage)
  • Electroconvulsive Therapy
  • Esophageal Varices
  • Fabry Disease
  • Factor VIII or IX Deficiency
  • Fatty Liver - with complications, residuals or caused by alcoholism
  • Gastric Bypass/Stapling
  • Gilles De La Tourette’s Syndrome
  • Heart and/or Lung Transplants
  • Hemiplegia
  • Hemophilia A or B
  • Hodgkin’s Disease
  • Hydrocephalus - younger than age 20 or surgically corrected with complications or shunt procedure
  • Hydronephrosis - bilateral or under age 20
  • Idiopathic Thrombocytopenia Purpura (I.T.P.) - if present Ischemic Heart Disease
  • Kidney Transplant
  • Leukemia
  • Liver Transplant
  • Lou Gehrig’s Disease
  • Lymphoma
  • Marfan’s Syndrome
  • Medullary Sponge Kidney - unilateral with history of infections or bilateral
  • Mitral - Insufficiency if surgically repaired, annuloplasty or other valve repair, Stenosis
  • Mixed Connective Tissue Disease
  • Mongolism
  • Multiple Myeloma
  • Multiple Sclerosis
  • Muscular Dystrophy
  • Myocardial- Infarction (M.I.), Ischemia (M.I.)
  • Neurofibromatosis
  • Pacemakers
  • Pancreatitis - chronic with enzymes and medications
  • Paralysis
  • Paranoid Disorder
  • Paraplegia
  • Parkinson’s Disease
  • Peripheral Occlusive Arterial Disease (P.O.A.D.)
  • Personality Disorders
  • Pituitary Dwarfism
  • Pneumocystitis Carinii Pneumonia (P.C.P.)
  • Polio Myelitis - acute with loss of bladder or bowel control, requiring a wheel chair or marked respiratory impairment
  • Premature Ventricular Contractions - if symptomatic and treated with encaid/encainide or tambocor
  • Primary Pulmonary Hypertension
  • Pulmonary Heart Disease
  • Pulmonic - Insufficiency, Stenosis if surgery was recommended, surgically repaired or valve replaced
  • Quadraplegia
  • Sarcoma
  • Schizo Affective Disorders - bipolar or depressive
  • Schizophrenia
  • Scleroderma
  • Severe Childhood or Adolescent Disorders - including conduct and oppositional defiant disorder
  • Sick Sinus Syndrome
  • Sickle Cell Anemia/Disease
  • Sleep Apnea - surgery suggested or advanced condition with cardiac or pulmonary complications
  • Spina Bifida - severe or disabling, surgically corrected with recurrent symptoms or surgeries needed
  • Stroke - indeterminate, ischemic
  • Suicide attempt
  • Syndrome X
  • Systemic Lupus Erythematosus
  • Tetrology of Fallot
  • Thalassemia Major
  • TIA
  • Tourette’s Syndrome
  • Transient Ischemic Attack
  • Transsexualism
  • Tricuspid - Insufficiency, Stenosis
  • Trisomy 21 Syndrome
  • Turner’s Syndrome - less than 25 years old or evidence of cardiovascular disease
  • Valve replacement
  • Ventricular Arrhythmias