Evaluation « Health Insurance Advisory
Will I Qualify?

Your Eligibility Quiz Results

An individual's gender, tobacco status, height and weight, and coronary (heart) risk factors usually play a role in determining if he/she will qualify for a health insurance policy and how much additional premium they may be required to pay.

While all insurance companies have their own underwriting guidelines, based on the details provided,

Additional Information:

Click here to learn more. In certain instances, insurance companies may request additional information from the applicant or his/her physician, including medical records. Click here for an overview of these requirements.

Will I Qualify? Fast, Free and Confidential Evaluation

Due to the high risk associated with the occupation, most insurance companies will likely consider the individual ineligible for a health insurance policy, except in certain states, such as Florida and Michigan where health insurance must be offered, however, a premium increase may apply.

To continue, a "No" answer is required or reset the tool by clicking on the link below to start over for another individual.


Based on the nature of the medical condition(s), the person will likely be considered ineligible for individual major medical insurance by most insurance companies.

To continue, a "No" answer is required or reset the tool by clicking on the link below to start over for another individual.


Due to the high risk nature of these hobbies, most insurance companies may: a) increase the premium approximately 10% to 30%, b) issue an Exclusionary Rider that will exclude claims related to the specific hobby or 3) decline the applicant.

To continue, a "No" answer is required or reset the tool by clicking on the link below to start over for another individual.


Please enter the individual's details:


Gender

Height and Weight

Have tobacco products (including smokeless tobacco)
been used within the past 12 months?

In the past 5 years have the following conditions been diagnosed or treated?
Hypertension (high blood pressure)
High Cholesterol or Triglycerides

  • Employed in a restricted occupation?

  • Engage in any one or more of the following hazardous hobbies?

Is the person contemplating surgery or hospitalization, or have symptoms
indicating a potentially serious condition or undiagnosed ailments?

Is the person presently disabled or confined to an inpatient facility?

Is the person pregnant or undergoing fertility treatment?

In the past 2 Years, has the person been convicted of a felony or been
cited on two or more occasions for driving while intoxicated (DUI)?

Is the person currently or within the past 7 years experienced symptoms, obtained counseling, been
diagnosed or treated, including prescription drugs for one or more of the following conditions?

  • Circulatory/Heart

  • Cancer/Tumors

  • Digestive System

  • Ear/Eye

  • Endocrine

  • Genitourinary System

  • Muscular/Skeletal

  • Nervous System

  • Respiratory System

  • Sexually Transmitted Diseases

  • Thyroid/Gout Disorders

  • General Impairments
No

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