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    Getting Approved With a Health History

    What underwriters actually look at when your file includes diabetes, a cardiac event, a cancer history, sleep apnea, or a long medication list — and how an independent agent shops around a decline.

    What the underwriter sees that you do not

    Condition-by-condition notes on the questions you will be asked

    Why the same file gets different answers at different carriers

    What to do after a decline or a rating

    How to prepare records before you apply

    Where should we send it?

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    What else should you know?

    Does a health condition mean I will be declined?

    No diagnosis by itself tells us every carrier's answer. Control, severity, treatment, timing, and other conditions can change eligibility, so compare guidelines before assuming the market is closed.

    Does no medical exam mean no health questions?

    Usually not. A no-exam application may still ask health questions and review prescription or other authorized records; guaranteed-issue coverage has a different design and may limit early benefits.

    Should I mention vaping or occasional tobacco?

    Yes—answer the application's wording accurately, including nicotine use where requested. Carriers differ in their definitions, and concealing use can affect coverage or a later claim.

    Can a licensed agent promise approval before I apply?

    No. A licensed agent can help assess likely options, but the carrier decides eligibility, health class, and terms. An initial conversation or quote is not approval.

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