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General Questions


During the past 5 years, has any applicant been declined for insurance due to health reasons? The person(s) named will not be covered under the policy.


Has any applicant lived in the 50 states of the USA or the District of Columbia for less than the past 12 months? 

Medical History Questions


Is any applicant currently pregnant, an expectant parent, in the process of adopting a child, or undergoing infertility treatment?


Within the last 5 years, has any applicant received medical or surgical consultation or advice from a licensed physician, or treatment, including medication, for any of the following: blood disorders, liver disorders, kidney disorders, chronic obstructive pulmonary disorder (COPD) or emphysema, diabetes, cancer, multiple sclerosis, heart or circulatory system disorders (excluding high blood pressure), Crohn's disease or ulcerative colitis, or alcohol or drug abuse or immune system disorders? 


During the past 12 months, has any applicant been advised to undergo any tests (except HIV), treatment, hospitalization, or surgery which has not yet been completed for which results have not yet been received?


Within the last 5 years, has any applicant received a diagnosiss or treatment for HIV infection from a doctor or other licensed clinical professional, or had a positive test for HIV infection performed by a doctor or other licensed clinical professional?

Other Information


Does the applicant now have, or is the applicant currently applying for, other hospital or medical expense insurance that will not terminate prior to the requested effective date? (Other hospital or medical expense insurance does not include fixed indemnity insurance.)


Does the applicant intend to replace any existing coverage in force?*

*This does not include switching from group insurance to individual insurance. This is ensuring you do not have two coverages at once.


If you answered yes to all the above qualifying questions then you're ready to see your actual quote. Once you quote yourself, you can change your deductibles and plan information to see the cost of the plan that is a best fit for you and your family.

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Term Medical Quote

In a moment you can begin quoting yourself to see your options with various deductibles, out of pocket maxes, and more. First, since these plans are underwritten, ensure that you can answer "No" to all 8 questions. If you cannot, contact us to discuss what your options are.

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