Most online guides list common pre-existing conditions, say it depends, and tell you to talk to your agent. This video explains what actually happens during the underwriting process. Covers the rating classification system from Preferred Plus through Table ratings to decline, what carriers look for when evaluating cardiovascular conditions, diabetes, cancer remission, mental health history, and autoimmune conditions, the real dollar difference between fully underwritten, simplified issue, and guaranteed issue policies, the informal inquiry strategy that lets you shop multiple carriers without formal declines going on your MIB record, when to apply based on diagnosis timing, and why comparing carriers is the single most important variable when you have a pre-existing condition. Full guide with condition-specific breakdowns and a free preparation checklist at memorialmerits.com.
