A. Yes, that is certainly happening right now! Here are some examples where consumers are getting better offers from life insurance companies today than before:
- Alcohol abuse: a mild or moderate abuser coudl secure a mile or moderate rating.
- Asthma: can secure Preferred rates now.
- Cancer: certain cancers can receive Preferred nonsmoke rates now.
- Diabetes: Preferred rates are now possible for an increasingly number of well controlled diabetics.
- Heart disease: single vessel coronary artery disease can get Preferred nonsmoker rates now.
- Hepatitis C: using new drugs, previously a declination or high table rated can receive Standard or even Preferred rates.
- HIV: previously viewed as uninsurable, now could get offers from a number of insurance companies.
- Marijuana and cigar users: some could get Preferred nonsmoker offers now.
- Prostate cancer: using watchful waiting over age 65, previously declination could get Standard ratings now.
- Seniors: over age 70 now available with multiple credits, better with acute coronary syndrome.
- Sleep apneas: some are now available with Preferred rates.