Part of our guide: Impaired Risk Life Insurance Underwriting by Condition →
Underwriters apply credits only for what they can see in the file. Clients often have positives, such as a clean driving record, recent normal tests, or improved blood pressure, that never make it into the application. Making sure they do can change the offer.
Key takeaways
- Credits are applied based on documented evidence in medical records and the application.
- Common creditable factors include lifetime non-smoking, favorable driving record, higher income, negative cardiac testing, and controlled blood pressure.
- In one case, credits moved a Type 2 diabetic from Table 4 to Table 2.
If it isn’t in the file, the underwriter can’t credit it. Help clients get their positives on the record.
Positives worth documenting
- Lifetime non-smoking
- Preferred or better driving record
- Income level and stable employment
- Recent negative cardiac testing (stress test, echocardiogram, calcium score)
- Controlled blood pressure and cholesterol trends
- Regular exercise noted by a physician
- Normal cancer screenings
- Weight loss maintained over time
How to get them on the record
Ask clients about recent tests and results during field underwriting, and mention them in a cover letter. If a client has made improvements, such as better blood pressure or weight loss, make sure their doctor has recorded them before applying.
The result
In one case, a 54-year-old woman with Type 2 diabetes and a heavier build started at Table 4. Credits for non-smoking, driving record, income, negative cardiac tests, and controlled blood pressure brought the offer to Table 2. See the full case.
Frequently asked questions
How can I improve my life insurance rating?
Make sure positive factors, such as normal tests, controlled blood pressure, and exercise, are documented in your medical records before applying.
Do underwriters give credit for a good driving record?
Some carriers include driving record in their credit programs.
Should I get a checkup before applying for life insurance?
Often it helps, so recent favorable results are on file. Discuss timing with your advisor.
Reviewed by Tim Fuller on 2026-09-25
Tim Fuller
President, SRS Inc.
Tim leads SRS Inc., a full-service IMO (Independent Marketing Organization) and BGA (Brokerage General Agency), connecting independent financial professionals with life, annuity, disability income, and long-term care solutions from 60+ carrier partners.
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