Application Process

Think of an APS as a note from your doctor. It’s a simple summary of your health history, including any visits to specialists, past surgeries,

A policy rating is an additional percentage that is applied to your premium. It’s a way for insurance companies to adjust your rate based on

A rating can temporarily increase your premium, but it’s not always permanent. If your health situation changes, we can help you re-evaluate and potentially lower your rates.

Yes, it often can! If the reason for your rating changes – like you’ve lost weight and kept it off for a year – you

We’re here to help every step of the way, even when things get a little tricky. If you’re not happy with your rating, don’t worry.

When an insurance company says you’re “standard,” it means they see you as being in good health for your age. This usually means you have

Getting a “preferred” rating is like getting an A+ on your health report card! It means you’re in tip-top shape, with no major medical history.

We understand it can be frustrating to be declined for coverage. Whether it was due to a current or past health condition, there are options

Using any tobacco or nicotine products (like cigarettes, vapes, or gum) makes you a smoker in the eyes of insurance companies. This usually means higher

We understand that everyone’s situation is unique. If you have a history of drug or alcohol use, don’t worry, we can still help you find

If you skydive, scuba dive, race cars, or enjoy other adrenaline-pumping activities, we’ll need to gather some details about how often you participate and your