If you’re changing policies to find a lower premium or missed a Guaranteed Issue opportunity, you’ll likely undergo an underwriting process. But, in most cases, underwriting isn’t a big deal.Sure, there are questions about your health, but these companies understand that there are health issues with age. You can expect that your policy could be approved if your health issues are under control, even with medications.Working with an insurance expert can save you time trying to figure out which company will most likely approve your application. The agent can also inform you if changing policies isn’t in your best interest, it’s their fiduciary duty to lead you in the right direction.