Fore explains the two types of risk ratings and provides insight into the underwriting process. Underwriters assess health conditions based on a tightly defined, industrywide underwriting manual to determine how to rate certain health conditions. For instance, an underwriter might apply a flat rating for short period of time for a person who has just had surgery. Table ratings are based on a percentage of the premium so Table A might be 120 percent of the regular premium. If you disagree with a rating you receive, get your agent involved.
Agents can argue the rating.
Sometimes it might mean ordering something in addition to what we already have. So, if you go shopping around for other insurance, keep in mind this information remains at every insurer's fingertips. This information is not intended to be a substitute for professional medical advice. You should not use this information to diagnose or treat a health problem or disease without consulting with a qualified healthcare provider. Please consult your healthcare provider with any questions or concerns you may have regarding your condition.