Banner Term Life Guide to Underwriting and getting great rates

Great little post here on how banner life insurance may view you as an underwriting risk and what to expect. Check it out and try to save yourself some hard earned money.
clipped from www.zimbio.com
Underwriting Guide to Banner Term Life

Banner life assurance is one of the best life insurance companies for term life insurance in the United States. They have done a stellar job of targeting term life insurance products but have recently introduced some very decent permanent Universal Life Plans.
Preferred Plus Non Tobacco – This is their absolute best rate class
Preferred Non Tobacco – Second best rate class
Standard Non Tobacco-

Tobacco Rate Classes:
Preferred Smoker – Best Smoker rate class
Standard Smoker-
Describe any issues above with your agent or broker and it mostly helps to draft a cover letter with the assistance of your agent. The more the underwriters know about you and situation and what you do to boost your health for example.
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