Assurant Underwriting Guidelines

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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