If you are in good health, Assurant has the quickest underwriting in the industry. About 25 percent of our 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.
Seventy-five percent 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.