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.