|
The Assurant rates quoted on our online instant quote service
are for preferred rates. Approximately 40% of all applications
applying with Assurant qualify for this special class of rates, which
are typically 10-20% lower than standard rates.
If you do qualify
for Preferred Rates with Assurant, you will also need to complete the
Preferred
Rating Questionnaire  .
Each applicant/enrollee must complete and sign the appropriate sections.
Spouses are considered separately for preferred rating eligibility
and must also answer this questionnaire. This information
is not required for dependents.
If
you do not qualify for these rates after reviewing the questions
below, please e-mail
our offices for an exact quote for your particular situation.
Preferred
Rating Eligibility
If an applicant/enrollee
meets any of the following conditions, that applicant is not eligible
for a preferred rating:*
- Special
Exception Rider
- Special
Class Premium
- Answers "yes"
to any of the following questions
- Has the
applicant/enrollee(s) used tobacco products at any time during
the past 3 years? (If no, go to question 4.)
- Does the
applicant/enrollee(s) smoke 10 or more cigarettes per day?
- Does the
applicant/enrollee(s) smoke more than 1 cigar or pipe per day?
*Note: An
applicant/enrollee may be eligible for a Preferred Smoker rating
if he or she is able to truthfully answer questions 2 and 3
"no." Underwriting reserves the right to apply
tobacco ratings based upon lab results, phone verification or
medical records. Chewing tobacco users will not be eligible
for the Preferred Smoker rating.
-
Is the applicant/enrollee(s)
currently outside the weight range listed in the build chart
below (add the chart from page 2 of the attached brochure at
the bottom of the page).
- Has the applicant/enrollee(s)
had blood pressure readings** in excess of 140/90 in the past
12 months?
- Has the applicant/enrollee(s)
had total cholesterol readings** above 220 and/or been treated
for elevated cholesterol or triglycerides within the past 12 months?
-
Has
the applicant/enrollee(s) had any convictions for DUI or more
than 1 moving violation including speeding ticket within the
past 2 years?
**
Individuals age 40 and over must have readings that meet the
following guidelines:
|
Age
|
Cholesterol
|
Blood
Pressure
|
|
40
- 49
|
past
3 years under 220
|
140/90
|
|
50
and older
|
past
2 years under 220
|
140/90
| | 
